Jump to a section:

CD DirectSave

Make investing turnkey thanks to CD DirectSave. Set up automatic deposits from your Warsaw Federal checking account into a 6-month CD.

  • Minimum deposit: $25
  • Early withdrawal penalties may apply
  • Requires at least one electronic deposit per month, $25 minimum deposit
  • Increase contributions at any time
  • Seamless, simple investing
  • Account matures in 6 months

Use our calculator to see how investing in a CD can grow your money.

As of 7/3/2026

ProductAPYInterest RateMinimum BalanceDisclosures
DirectSave1.51%1.50%$25

Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal.
*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings. 

Long-Term CDs

Invest your money longer and earn even more.

  • Minimum deposit: $500*
  • 1-Year CD
  • 18-Month CD **
  • 2-Year CD
  • 30-Month CD
  • 3-Year CD
  • 4-Year CD
  • 5-Year CD

Use our calculator to see how investing in a CD can grow your money.

As of 7/3/2026

ProductAPYInterest RateMinimum BalanceDisclosures
12-Month CD1.15%1.15%$500
18-Month CD1.20%1.20%$500
24-Month CD1.25%1.25%$500
36-Month CD1.35%1.35%$500
48-Month CD1.45%1.45%$500
60-Month CD1.55%1.55%$500

*$1,000.00 Minimum deposit to open. Early withdrawal penalties may apply.
**Renewal Term is 18 months for the 18 Month CD.
***Renewal Term is 24 months for the 27 Month Jump CD

Short-Term CDs

Get competitive rates with a short-term commitment.

  • Minimum deposit: $500*
  • 3-Month CD
  • 6-Month CD
  • 9- Month CD

Use our calculator to see how investing in a CD can grow your money.

As of 7/3/2026

ProductAPYInterest RateMinimum BalanceDisclosures
3-Month CD0.75%0.75%$500
6-Month CD1.00%1.00%$500
9-Month CD1.00%1.00%$500

Compounded & credited quarterly. Automatic renewal for same term. 7 day grace period for deposits or withdrawals after the maturity date. Penalty for early withdrawal.
*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings. 

Stay in Control with Online Banking

New and improved, online banking is a streamlined, secure and flexible way to make managing your money easier in ways you never knew you needed.

Let’s Help Your Money Grow

Invest the mutual way.

As a mutual bank customer, your money goes to work in our communities. Every dollar helps people buy homes and grow local businesses. It’s the mutual bank difference.

You’re not alone.

Saving can feel overwhelming, but we’re here to help you! You can always schedule an appointment to meet with a banker.

Helping You Invest Wisely

Gain access to articles, videos and tools, day or night.

Student Loan Repayment Options

You’ve graduated from college with a new degree and lots — a whole lot — of student-loan debt. The good news is that depending on the type of loans you…

The “2K Rule” for College Savings

According to the investment firm Fidelity, the average family is on track to save only 29 percent of the total amount their child will need to pay for a college…

An Overview of 529 Plans

As families invest their savings in preparation for their children’s future K-12 or college tuition and expenses, 529 college savings plans can provide various tax and financial benefits. These benefits…

Investing in ETFs (Exchange-Traded Funds)

ETFs, or exchange-traded funds, are an excellent way of investing in the securities markets. ETFs include a basket of securities to trade on the stock exchange, like mutual funds. They…

Refinancing Strategies for Student Loans

Student loans. Without them, college educations would not be possible for large segments of today’s population. Whether attending state colleges and universities or private institutions of higher learning, the fact…

Income-Based Student Loan Repayment Plans

Income-based student loan repayment plans are a type of payment plan where monthly payments are based on the borrower’s monthly income, allowing for borrowers with lower incomes to make lower…

Social Security and the Self-Employed

For most people who have jobs in the U.S., Social Security contributions are automatic. It is not something you need to worry about because your employer takes care of it…