24 Hour Telephone Banking
888-296-9982
229-365-7351


To report a lost or stolen
debit card,
call 800-500-1044

CDs and IRAs

Earn high interest rates on your money by investing in our Certificates of Deposit or one of our Individual Retirement Account investment plans we offer.

Certificates of Deposit

Minimum amount to open $1,000.00
Interest rate Contact WCSB for details
Annual percentage yield (APY)  Contact WCSB for details
Interest computation method varies per deposit
Interest compounding frequency varies per deposit
Interest crediting frequency varies per deposit
Additional deposits after account opening are not permitted  
Dormant account fee  $5 per month up to 12 months, after 12 months of inactivity

Penalty for early withdrawal:
For maturities of up to 6 months, an amount at least equal to 45 days interest earned or that could have been earned.
For maturities of 6 months up to 12 months, an amount at least equal to 3 months of interest earned or that could have been earned.
For maturities of 12 months up to 24 months, an amount at least equal to 6 months interest earned or that could have been earned.
For maturities of 24 months or greater, an amount at least equal to 12 months of interest earned or that could have been earned.
Renewal policy: if your certificate is SINGLE MATURITY and does not automatically renew, it must be presented promptly at maturity as no interest is payable after the maturity date.


Individual Retirement Accounts (IRA)

Minimum opening deposit $100.00
Interest rate Contact WCSB for details
Annual percentage yield (APY) Contact WCSB for details
Interest computation method daily balance*
Interest will be compounded  quarterly
Interest will be credited quarterly
If account is closed before interest, you will receive the accrued interest.
Dormant account fee $5 per month up to 12 months, after 12 months of inactivity

*The daily balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.
Penalty for early withdrawal:
For maturities of up to 6 months, an amount at least equal to 45 days interest earned or that could have been earned.
For maturities of 6 months up to 12 months, an amount at least equal to 3 months of interest earned or that could have been earned.
For maturities of 12 months up to 24 months, an amount at least equal to 6 months interest earned or that could have been earned.
For maturities of 24 months or greater, an amount at least equal to 12 months of interest earned or that could have been earned.

^return to top