Annual Percentage Yield (APY) assumes principal and interest remain on deposit.  APY is effective as of February 27, 2025, and is subject to change.  Certificate of Deposit (CD) can be opened in-person, in a Wayne Bank Community Office, or online to receive advertised rate.  The 11-month CD promotional interest rate is compounded daily and credited at maturity.  The 35-month promotional interest rate is compounded daily and credited annually.  $500 minimum deposit to obtain advertised rate.  Penalties will be imposed on early withdrawals.  Fees could reduce earnings.  Consult a tax advisor regarding tax implication involved in IRA’s.  Other CD rates and terms available.  Ask for details.