Certificates of Deposit

Wayne Bank provides a full range of options with high interest for Certificate of Deposit investors.
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CD Special

  • Building Block

    Build your savings, one deposit at a time.

    The Wayne Bank Building Block CD gives you the flexibility to add money throughout the term while earning a competitive rate. Plus, you can make one penalty-free full or partial withdrawal during the initial term if your plans change.

    Open an Account Here

  • Individual Retirement Account

    Dreaming about retirement? Start planning for it today.

    Whether you’re 22 or 55, it’s never too early—or too late—to think about the future. Wayne Bank IRA Certificates of Deposit can help you set aside money for retirement while taking advantage of potential tax benefits¹, with a predictable rate to help your savings grow over time.

Certificate of Deposit (CD)

Wayne Bank provides a full range of options with high interest for Certificate of Deposit investors.

Effective as of September 28, 2026
Duration Minimum Investment To Open Certificate Daily Balance Required To Earn APY Annual Percentage Yield

Duration

7 Month Promo with Checking Account

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

3.85%

Duration

20 Month Promo with Checking Account

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

4.00%

Duration

Add-On (Building Block) CD (24 Months)

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.50%

Duration

32 – 90 Days

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.30%

Duration

91 – 181 Days

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.40%

Duration

182 – 364 Days

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.45%

Duration

12 – 23 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.55%

Duration

24 – 35 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.60%

Duration

36 – 47 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.70%

Duration

36 Month Bump Up

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.70%

Duration

48 – 59 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.80%

Duration

48 Month Bump Up

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

0.80%

Duration

60 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

1.00%

Duration

60 Months Bump Up

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

None

Annual Percentage Yield

1.00%

    Contact Us

    Interested in opening a Wayne Bank CD? Let us know! We're here to answer any questions you may have and help get you started.

    *Consult a tax advisor regarding tax implications involved in IRAs. For more information, stop by your Local Community Office or call (800) 598-5002 to speak with a Customer Service Representative.