*Free Checking is non-interest bearing.

**For Interest Checking accounts with balances below $200, the Rate/APY will drop to 0%. Interest Checking accounts will incur a $10 monthly service fee if the monthly average balance falls below $200.

Interest Checking accounts are variable rate products and rates may change daily without prior notification. Waterfield Bank uses the daily balance method of computing interest, which applies a periodic rate to the full collected amount of principal in the account each day.

***For Money Market Savings Accounts with balances below $200 the Rate/APY will drop to 0%. The Money Market Savings Accounts will incur a $10 monthly service fee if the monthly average balance falls below $200.

***For Jumbo Money Market Accounts with balances below $100,000, the Rate/APY will be calculated based on the Money Market tiers. The Jumbo Money Market Account will incur the $10 monthly service fee if the monthly average balance falls below $200.

Money Market Savings accounts are variable rate products and rates may change daily without prior notification. Waterfield Bank uses the daily balance method of computing interest, which applies a periodic rate to the full collected amount of principal in the account each day.

Savings accounts: The interest rate may vary during the life of the account, while the method of calculation, compounding and payment on interest on your account are determined by WFS.

Certificate of Deposit interest rates are fixed for the term of the account and may change during the grace period. The Certificate of Deposit annual percentage yield assumes monthly compounding and that interest remains on deposit until maturity. Account will not earn interest during the grace period if a withdrawal is made. A penalty will be imposed for early withdrawal.

Annual Percentage Yield Calculation: APY = 100 {(1+Interest/Principal) (365/Days in term) -1}. For additional rules of accounts, see the Terms & Conditions.