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.

Maximizing Your Financial Aid Package

There are times when you want to make yourself look poorer — legally, of course. One of those times? When you are helping your children apply for financial aid for…

Financial Aid

Ready to test your knowledge? You’ll have ten multiple choice questions to answer. Click on each question to reveal the question and multiple choice answers. After you’ve completed answering all…

How Much Do You Need to Retire?

Most people know that you need to save money for retirement. However, how many people know how much money they need to save? Do you? According to the 2022 Retirement…

The Basic Principles of Retirement Planning

Are you saving enough for retirement? If you are like most U.S. residents, probably not. The Employee Benefit Research Institute’s 2022 Retirement Confidence Survey reports that slightly more than 7…

The True Cost of a College Education

The sticker price of a college education can be shocking. Moreover, this sticker price is increasing every year. The College Board says that students enrolled at a private college during…

How Community Colleges Save You Money

According to EducationData.org, as of October 2022, Americans owe $1.745 trillion in student loan debt. That is how profound the student debt problem in the U.S. has become. To put…

What are My IRA Options?

Retirement planning is far from simple. Sometimes, it feels like you are speaking a different language from everyone else. From words like 401k and 403b to IRAs, it can be…