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

    Get flexibility and a great rate with Wayne Bank's popular Building Block CD. Our Building Block CD allows you to grow your investment by making additional deposits and permits one penalty free full or partial withdrawal during the initial term.

    Open an Account Here

  • Individual Retirement Account

    Are you dreaming about retirement? Whether you’re 22 or 55, it’s always a good time to think about your future.

    Wayne Bank helps you save for retirement and enjoy tax advantages* with our IRA Certificates of Deposits. An IRA, or Individual Retirement Account, is a secure and reliable strategy to grow your savings and invest in your future!

Certificate of Deposit (CD)

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

Effective as of July 08, 2025
Duration Minimum Investment To Open Certificate Daily Balance Required To Earn APY Annual Percentage Yield

Duration

5 Month Promo

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

4.25%

Duration

30 Month Promo

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

3.75%

Duration

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

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.50%

Duration

32 – 90 Days

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.30%

Duration

91 – 181 Days

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.40%

Duration

182 – 364 Days

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.45%

Duration

12 – 23 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.55%

Duration

24 – 35 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.60%

Duration

36 – 47 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.70%

Duration

36 – 47 Months Bump Up

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.70%

Duration

48 – 59 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.80%

Duration

48 – 59 Months Bump Up

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

0.80%

Duration

60 Months

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

1.00%

Duration

60 Months Bump Up

Minimum Investment To Open Certificate

$500

Daily Balance Required To Earn APY

$0

Annual Percentage Yield

1.00%

    Fees may apply. *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.