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

Why Indexing Works

The theory that index/passive funds perform better than actively managed funds is backed by the fact that 90% of active funds underperformed their benchmarks over the last 10 years. So, it begs the question, “Why?”

Firstly, index funds do not have the added expenses of investment analysists and advisors, lowering overall cost and ultimately leaving more returns for investors to keep.

The chart above from S&P Dow Jones Indices shows the average actively managed fund costs 0.68% versus index funds of only 0.06%. So, right off the bat, every year the actively managed fund starts 0.62% in the hole.

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Least Regretted Majors

As high school seniors finish out the school year, some may be asked, “What are you going to major in at college?” Today’s Chart of the Day comes from CNBC.com who surveyed 1,500 job seekers for the percentage of graduates who would choose the same major again. The article also included the “most regretted” majors; however, you’ll have to click on the link to see that.

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Bonds to ETFs

We often talk about how over the last 10+ years investors have, in general, been moving out of mutual funds and into Exchange Traded Funds, also known as ETFs. However, this year the pattern is even more prevalent with bonds. So far this year, a record $446 billion exited bond mutual funds and went into bond ETFs and bank accounts.

Why do we use bond ETFs instead of actively managed bond mutual funds? Bond ETFs have substantially lower costs, more liquidity, increased transparency, and over the last 10 years had a better return than 90% of actively managed mutual funds.

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Get the latest news and tips for managing your finances.

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