Online Banking


Sign-On ID


Password

 
Forgot Password?


Security Info  

Mobile Banking

online banking, online bill pay, eStatements, demo, enroll online
mobile banking, mobile app, text banking
deposit rates, CD rates, IRA rates, savings rates, money market rates
loan rates, mortgage rates, auto rates, home equity loan rates
checking accounts
statement savings, passbook savings, CDs, IRAs, money market, holiday accounts
business checking, commercial loans
mortgages, chfa, fha, va, reverse mortgages, adjustable rates, construction loans, refinancing, loan, calculators, home equity loans, home equity lines of credit, auto loans, personal loans
telephone banking, debit cards, SUM, savings bonds, direct deposit, wire transfers, notary, safe deposit box
contact us, email us
bank locations, banking hours, bank holidays
press releases
privacy policy

Remote Deposit Capture
for Businesses

Click here to View Demo

SwitchKit Express
The Easy Way
To Switch Banks!
Click here!

IMPORTANT FDIC DEPOSIT INSURANCE NOTIFICATIONS
Click here

 

Statement Savings
Passbook Savings
Holiday Savings Club
Money Market
Jumbo Money Market
Certificate of Deposit
Individual Retirement
Schedule of Charges for Consumers

 

 

 

 

STATEMENT SAVINGS

  • Interest bearing account. Interest is earned from day of deposit to day of withdrawal and is compounded and credited monthly. Interest rates are variable and subject to change.

  • Maintain a daily balance of $200 or more to earn interest and waive monthly service charge. If the balance drops below $200 at any time during the month, a monthly service charge of $2.00 will be assessed.  **When a Statement Savings Account is opened in conjunction with a new or existing Checking Account the $200 minimum balance requirement will be waived for the first year.

  • Electronic Statement and/or Monthly statement which can be combined with any of your other checking, savings, money market or CD accounts to provide you with a single monthly statement.

  • Convenient account access with our ATM Card, 24-hour Telephone Banking System and WinOnLine, Online Banking and Bill Payment.

  • Overdraft Protection Option is available to automatically transfer funds from your statement savings to your checking account in order to pay for checks that are presented for payment without sufficient funds. The total amount necessary to cover ALL items for the day is transferred to your checking account and a $5.00 overdraft protection service charge will be applied to your statement savings account.

  • Direct Deposit.

  • Click here for current interest rates.

back to top

 

 PASSBOOK SAVINGS

  • Interest bearing account. Interest is earned from day of deposit to day of withdrawal and is compounded and credited monthly. Interest rates are variable and subject to change.

  • Maintain a daily balance of $100 or more to earn interest and waive monthly service charge. If the balance drops below $100 at any time during the month, a monthly service charge of $2.00 will be assessed.

  • Free from monthly service charge if the accountholder is under age 18 or over age 62.

  • Direct Deposit.

  • Click here for current interest rates.

back to top

 

 HOLIDAY SAVINGS CLUB ACCOUNT

  • The Holiday Savings Club account will earn simple interest, paid at maturity. If the account is closed before the maturity date of the account, all earnings will be forfeited.  There is no minimum balance requirement in order to avoid service charges and there is no minimum balance requirement in order to earn interest. The Holiday Savings Club account is a variable rate account and therefore, interest rates may be subject to change.

  • No monthly service charge. However, each withdrawal made prior to the maturity date will incur a $5.00 service charge.

  • Weekly, bi-weekly or monthly deposits can be made automatically from your checking or statement savings accounts into your Christmas Club account.

  • Upon maturity of the account on October 15th of each calendar year, the maturity balance including any accumulated interest will be available for withdrawal without a transaction fee through December 31st of that calendar year.  All withdrawals made after December 31st and before the maturity date of the account will incur a $5.00 transaction fee.  The Holiday Savings Club passbook is required for all withdrawal transactions. 

  • Click here for current interest rates.

back to top

 

MONEY MARKET INVESTMENT ACCOUNT

  • Premium tiered interest rates - the higher your balances, the more you earn. Interest is earned from day of deposit to day of withdrawal and is compounded and credited monthly. Interest rates are variable and subject to change.

  • No monthly service charge when you maintain a daily balance of $2,500 or more.  If the balance drops below $2,500 at any time during the month, a monthly service charge of $8.00 will be assessed.

  • Account balances are liquid and can be accessed at any time. You may withdraw funds in person at any time and write up to 3 third party checks per month.

  • Electronic Statement and/or Monthly statement which can be combined with any of your other checking, savings, money market or CD accounts to provide you with a single monthly statement.

  • Overdraft Protection Option is available to automatically transfer funds from your money market account to your checking account in order to pay for checks that are presented for payment without sufficient funds. The total amount necessary to cover ALL items for the day is transferred to your checking account and a $5.00 overdraft protection service charge will be applied to your money market account.

  • Click here for current interest rates.

back to top

 

JUMBO MONEY MARKET INVESTMENT ACCOUNT (with checks)

  • Earn Our Highest Tiered Interest Rates - the higher your balances, the more you earn.  Interest is earned from day of deposit to day of withdrawal and is compounded and credited monthly. Interest rates are variable and subject to change.

  • No monthly service charge when you maintain a daily balance of $5,000 or more. If the balance drops below $5,000 at any time during the month, a monthly service charge of $10.00 will be assessed.

  • Account balances are liquid and can be accessed at any time. You may withdraw funds in person at any time and write up to 3 third party checks per month.

  • Electronic Statement and/or Monthly statement which can be combined with any of your other checking, savings, money market or CD accounts to provide you with a single monthly statement.

  • Click here for current interest rates.

back to top

 

 

CERTIFICATES OF DEPOSIT  


Windsor Federal Savings offers certificate of deposit products to help you get the most for your dollar. All of our CDs are tiered rate accounts and that's good news for you because the higher your balance ... the higher the interest rate! 
Our certificates of deposit generally have terms ranging from 3 months to 5 years with a minimum balance requirement of $1,000.  For CD terms of less than 1 year, you may select the specific date on which you would like your account to mature.  In addition to these standard feature CDs, we also offer three special feature CDs; a 9 month and 18 month “20/20 Bump-Up” CD.

  • Earn premium tiered interest rates – the higher your balance, the more you earn.  The interest rate is fixed for the term of the certificate.  Interest is earned from day of deposit to day of withdrawal and is compounded and credited monthly.

  • All interest that has been credited to the account may be withdrawn at any time.  In addition, you may have your monthly interest automatically transferred to any checking, savings or money market account at Windsor Federal Savings.

  • Upon maturity, there is a 10 calendar day grace period during which you may change the term, transfer funds to another the renewal term specified in the “Certificate of Deposit Disclosure” and at the prevailing interest rate for that term, unless otherwise disclosed.

  • Electronic Statements and/or Monthly statements are provided for all certificate of deposit accounts. In addition, we can combine all of your account statements into a single monthly statement.  

  • Click here for current interest rates.

 

9 MONTH AND 18 MONTH “20/20 BUMP-UP” CD

  • “Bump-Up” Feature – This feature enables you to change the interest rate once during the term of the certificate of deposit to the rate currently in effect for the “20/20 Bump-Up” CD.  The “Bumped-Up” interest rate will remain in effect for the remainder of the certificate term and will not affect the maturity date of the CD.

  • “20/20” Feature – This feature enables you to add up to 20% of the original amount of the certificate of deposit once during the certificate term and/or withdraw up to 20% of the original amount of the certificate of deposit once during the certificate term.  The one time deposit or withdrawal of funds during the term will not affect the maturity date of the CD.

  • All other features of our regular certificates of deposit described above apply to the “20/20 Bump-Up” CD.

  • Click here for current interest rates.

 

back to top

 

INDIVIDUAL RETIREMENT ACCOUNTS

Individual Retirement Accounts have come a long way! They can help you purchase your first home, save for future education, and of course, save for retirement! Windsor Federal Savings offers a full range of IRA products, please contact us or visit any of our convenient branches and we'll be happy to help you choose the IRA product that is right for you.

  • Individual Retirement Account Certificates of Deposit range from 3 months to 5 years and the minimum balance to open an IRA CD is $1,000 except for the 1 year IRA CD which has a minimum balance to open of $100.

  • In addition to the above certificates, we also offer a 9 month and 18 month IRA “Bump-Up” CD.  The “Bump-Up” feature enables you to change the interest rate once during the term of the certificate of deposit to the rate currently in effect for the 9 month or 18 month IRA “Bump-Up” CD.  The Bumped-Up interest rate will remain in effect for the remainder of the term and will not affect the maturity date of the CD.

  • The interest rate is fixed for the term of the certificate.  Interest is earned from day of deposit to day of withdrawal and is compounded and credited monthly.

  • The 1 year IRA CD is ideal for the individual that is attracted by the small initial deposit requirement and the ability to make additional contributions of $20.00 or more at any time.

  • The 18 month IRA “Bump-Up” CD is ideal for the individual that has $1,000 or more for the initial contribution but would like to make additional contributions of $20.00 or more at any time.  In addition, both of these CD’s offer penalty free withdrawal privileges to coincide with the flexibility built into the Roth IRA regulations.

  • Upon maturity, there is a 10 calendar day grace period during which you may change the term of the certificate of deposit or transfer the funds to another account without penalty. After the grace period expires, if you have not instructed us otherwise, we will automatically renew the certificate for the renewal term specified in the “Certificate of Deposit Disclosure” and at the prevailing interest rate for that term, unless otherwise disclosed.

  • Click here for current interest rates.

back to top

 
 

 

We Make It Easy
To Switch Banks
With Our

SwitchKit Express

Find the nearest SUM ATM when you are on the road!  Download the free SUM ATM Locator at your favorite mobile app store. Available for iPhone®, and Android™.  Click on the SUM logo to learn more about the Program!

         

Career Opportunities  |  Bank Holidays  |  Financials  |  Community 
  
Press Releases  |  Identity Theft  |  Check 21  |  Home

 
   Equal Housing Lender

© 2014 Windsor Federal Savings. All rights reserved.