We’re Here to Help

Helpful resources for our customers and our communities.

Wauchula State Bank works hard to give you a world of resources, all with a local community touch.

Calculators

Our online calculators are a resource to help you explore, solve, and revisit your financial needs and opportunities.

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Financial Literacy

My_Money_Program_Logo

The My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, as well as their family members and caregivers.

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Kids' Corner

Learning about money is important at all ages.

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Teens' Lounge

Start working toward your financial goals early.

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Financial Answers Center

Our Financial Answers Center offers financial education at your fingertips.

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Communities We Serve

Wauchula State Bank proudly supports our communities in Hardee, Highlands, and Polk Counties.

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Routing Number

Setting up direct deposit? Starting to make online payments? Get the information you need.

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FAQs

Want to know how to do something right now? Want to learn more about our products and services? Get answers to frequently asked questions.

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Security Resources

Learn about the steps you can take to make your computer and personal information more secure.

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Blog

Inflation vs. Stocks and Bonds

Today’s Chart of the Day comes from S&P Dow Jones Indices.

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45% to 59% Overvalue of Real Estate?

Today’s chart comes from Fortune, which shows the real estate markets that are “overvalued” based on the area's local incomes and construction costs.

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With Bonds All Things Are Equal

Today's Chart of the Day comes from an article in AAII.com (American Association of Individual Investors) and shows the average cumulative global corporate default rate from 1981-2021 in seven year spans.

A common misconception is that the yield you see from a bond portfolio is what you can expect to earn. However, this is a best case scenario as some of the bonds will ultimately default, causing a loss that reduces the yield.

In rough figures, if you take the weighted average default rate of all speculative/junk bonds and assume a 50% loss of principal of those bonds, over seven years this can reduce your total return by 2.9% annually.

The current yield to maturity on speculative/junk bonds is 7.6%. When you add in the historical loss of 2.9%, this reduces the total return to 4.7%, which happens to be the same yield of 4.7% in an investment grade bond with a similar maturity.

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Get the latest news and tips for managing your finances.

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