The holiday season is here, and while this time of the year is filled with joy and cheer, it can also bring about some money worries if you aren't properly prepared. For any money-conscious person, the approaching holiday season can make you think about your increased spending to buy gifts for your loved ones.
Holidays are for gathering with friends and family and usually center around food! This Holiday Taco Wreath is not only impressive looking, but delicious and easy!
Creme Brulee has always intimidated me! Not anymore! This Pumpkin Creme Brulee is delicious and so easy!
The buzzwords this time of year are "Open Enrollment". Scammers can also be taking advantage of you at this time of year!
Tis that time of year again.....
We all want the convenience of banking online. But, what should we know to be safe?
It is Pumpkin Season in full swing! These Pumpkin Cream Cheese Muffins are a wonderful addition to your Fall baking lineup!
Opening an FDIC-insured bank account, like we offer at Waldo State Bank, gives you the peace of mind that your hard-earned money is stored safely away and growing with interest. So when you’re ready to start taking your saving goals seriously and want to open up a bank account, continue reading below as we walk you through everything you need to know about the account opening process.
This recipe will be the hit of your tailgating event or any other party where a dip is needed. Or make a smaller batch all for yourself as this recipe is one that gets better with age!
Back to School can mean many kids will now have their first phone. What are security tips on devices?
Regardless of your life stage, looking for strategies to help grow your savings is always a good idea. Growing your savings can help you become more financially stable and give you the peace of mind that you have a solid financial safety net.
Our own VP of Lending, Brian shares his Protein Bar Recipe that is better than any store bought!
From fake survey sites to airline ticket scams, beware!
There are many different recipes for Crab Rangoon Dip that I have tried, but I keep going back to this one as my favorite time after time. It is a cool and refreshing treat (or can be served warm too!) with your favorite Pita Chip, Cracker, or Crusty Bread. Enjoy!”
No matter your savings goals, you should consider all the savings products available to find the one that balances security and growth for you.
Rhubarb Season is Here! This bread is easy and delicious. It makes enough to share - or not!
Tech Scams disguised as helping you!
Old Fashion Scam - yes, but it's the latest fraud happening!
An old fashion torte that is quick, easy, few ingredients, and above all delicious!
Giving back to the community is a rewarding part of our business, which we take pride in all year.
Guest Chef Brian (aka VP of Lending) shares with us these delicious chicken thighs. Just in time for grilling season, a recipe to add to your collection.
Juice Jacking may sound like a good thing, but it can put your device and contents in jeopardy!
No matter what you’re saving up for–a fun vacation, a new car, or holiday shopping–make your saving efforts count by opening a certificate of deposit (CD) with Waldo State Bank (WSB).
This month's Jambalaya recipe comes to us compliments of our very own Stacey. She shared with the bank for our Mardi Gras day and it was an instant success!
Scam Alert - Phishing scam using scare tactics on Facebook -
At Waldo State Bank, we understand the importance of making well-informed decisions for your business. We believe that creating a carefully planned budget is the key to unlocking this potential. Our recommendations provide a simple guideline for crafting an efficient budget that can enhance your profitability. Let us partner with you to build an effective budget that sets your business on a path to success.
Either way this months recipes have you covered!
How often are you monitoring your accounts? Need some help?
This soup takes the comfort level not only up a notch, but over the top! You literally won't be able to stop earing it!
Identity Theft and Children - It's more common than you thought!
Which turned out better? We sampled these at the bank, find out here which was best loved!
We are grateful for the opportunity to give back to local organizations that do great work. Our team at WSB will continue to support our community in any way we can!
You may want to make double of your favorite stuffing recipe this year!
High Risk Malware Apps to be aware of!
Are Your Kids Identities Protected Online?
This glaze takes a pork loin (or any choice of meat and even seafood to the next level!
Community banks are vital to the communities they serve, supporting local residents and small businesses. Read about how your business can benefit from working with a community bank.
Fall is the perfect time for this easy crockpot recipe
Here are five ways your data may be at risk!
Let's look at why CDs, like Waldo State Bank’s Scholastic CDs, are valuable for back-to-school, how you can open one today, and start compounding your savings.
Carrots in your garden? No better way to use them then to turn them into something delicious!
What is insured? FDIC Consumer News shares info on FDIC Insurance coverage.
CD / IRA Rates are on the rise We strive to help your money grow!
Who doesn't like extra money? Unclutter your home and bring in the cash? Are there pitfalls?
These all time classics are everyone's favorites! Here are some twists that should be tried!
Building or making improvements to your home can be a tough choice. Comparing both methods is a great place to start!
While most people would agree that it’s important to save, according to a survey since the pandemic, 40% of Americans said they have less than $300 in their savings. So, if everyone thinks it’s a great idea but less than half of America is doing it, how can you be successful in saving money? Let’s break it down into five easy steps to increase your savings...
Rhubarb season is in full swing! So many recipes yet this is one you may find yourself making time and time again. Easy and Tasty!
Your computer stops working, locked up, a tech is offering to help - STOP!! BUT NOW WHAT?
Do you have recipes in your mom's or a loved ones handwriting? Handed down and used repeatedly? Here is one of mine and definitely a favorite! Checkout our Facebook post and share yours there!
Aren't they cute? Those Social Media Quizzes that share fun facts with friends and family. Not really!
April is National Community Banking Month. We enjoy our Community and being part of it!
What are the Pros and Cons?
It may not make much sense for you to buy or build a home at this time. Maybe it makes more sense for you to make home improvements. But how would you be able to afford it? There are several options, including using your home’s equity through a home equity line of credit (HELOC) or a home equity loan.
A delicious comfort food for any meal but always a hit for brunch!
April is Shred Month at Waldo State Bank
No Fish Fry can be complete without a good potato pancake. This recipe definitely fits that profile.
eCommerce and your Debit Card Safety Habits are important.
Whether this is your first time or your third, fees associated with mortgage loans can come as an unpleasant surprise. Costs like mortgage insurance and property taxes frequently catch buyers off-guard. Understanding these and other fees and budgeting for them will ensure a smooth financial transition to buying your home.
This salad recipe comes to us compliments of Lori Meyers this month. It is a welcome addition to any salad lineup and just in time for a lighter spring dish!
Keeping the kids of the future safe when online.
All Super Bowl parties can use a sweet treat too! Enjoy these easy to make desserts at your gathering!
It's not too late to make a New Year's Resolution to keep you Cyber Safe in 2022.
Spice up your holidays with this tasty treat!
The holidays bring joy to everyone who celebrates; full of presents, gift-giving, and goodwill. Unfortunately, scammers take advantage of these fun and happy times. Our financial experts at Waldo State Bank put together four of the most popular scams and ways to avoid them. Keep these scams in mind and you’ll add an added layer of protection to your finances and private personal information.
Love Pecan Pie, but want to share with a crowd? Freeze some for future use? These are the bars for you. Tastes just like the pie!
It’s November! You know what that means… holiday shopping! We know the reason for the season isn't holiday shopping, but it's certainly a hot topic every year around our community. We're focusing on safe holiday shopping tips and how you can keep yourself and your wallet safe this holiday season.
Join Waldo State Bank in making Christmas Bright with Project Angel Hugs.
October is National Cybersecurity Month Awareness Month! Keep safe this upcoming holiday season by taking this quiz and learn more about cybersecurity.
It sure is Pumpkin Spice season and Waldo State Bank is joining in! This month we feature a cool and creamy taste of pumpkin that sure hits the spot!
Online and mobile banking have revolutionized the way we take care of our money. But what is the difference between the two? And is mobile banking truly safe?
Gift cards are easy gifts to give to family, friends, and co-workers but did you know that scammers have figured out how to trick you using these gifts?
We appreciate our banking customers near and far! Customer Appreciation Day was a success and we are so grateful to be serving our community.
Do you want to make restaurant-quality ribs at home that turn out every time? Look no further than this easy recipe that can be counted on time after time! The trick is in the cooking, but a good rub can add amazing flavor!
There are many ways to save for higher education, no matter where you are in your educational journey. Scholarship opportunities provide another method of helping the financial burden of students all over the world.
Did you exercise today? Did you take a break from your studies? Did you check your credit score? Not to say that you should be checking your credit score every day but checking your credit score as part of your routine will help you maintain a healthy financial well-being.
This recipe can be used as a spread with your favorite pita chip, cracker, Tostito, fresh veggies or pile it high on a hoagie roll and enjoy a seafood sandwich with lettuce and tomato!
Too hot to start your oven? This no-bake dessert shared by Lori Meyers is the perfect solution.
53% of college students feel that they aren’t prepared to manage their money. How can you be ahead of the game and secure a financially fit future?
Social media can be a great place but scammers take advantage of these vulnerable spaces. Protect yourself on social media by reading about these common scams.
Tired of the same old Taco Dip? Share this and everyone will want the recipe!
By supporting local, independent, and locally-owned businesses, including community banks, recirculate about 58% more revenue within the local community than large franchises and corporate companies.
Updating regularly and paying attention to when updates are available for your devices are key to your security. Some people look as updates as optional or fun user enhancements, which they can be.
Who doesn’t like the sunshine? Put a little in your dessert, add some love, and a few simple ingredients and you have a dessert to take anywhere – that you can keep it cold that is! It will be the highlight of any backyard BBQ!
There are nearly 5,000 community banks in the United States, with 177 in Wisconsin. How do you choose the right banking partner for you? Why would you choose a community bank over the large retail branches? We have four reasons why.
The Independent Community Bankers of America (ICBA) today announced that local community banker Tom Reil, President of Waldo State Bank, 119 N. Depot Street, Waldo, WI 53093 was named to serve on ICBA’s 2021 Housing Finance Subcommittee. ICBA is the nation’s voice for community banks.
Salmon fillets crispy on the outside and tender and juicy on the inside are perfect for any seafood fanatic. The whole family will enjoy this easy recipe along with the creamy garlic cream sauce.
During the week of April 19-24, 2021, Waldo State Bank and others across Wisconsin will participate in the Wisconsin Bankers Association Power of Community Week. Help our team as they beautify the Village of Waldo through a Clean-Up Program and raise funds for the Waldo Fire Department.
Exicted to be Vaccinated? Don't share a picture!
Scams are at record highs and have no end in sight. This month we review information the Federal Trade Commission (FTC) provided on how to spot the scammers.
Happy Pi(e) Day! This recipe is probably the easiest Peanut Butter Pie recipe you'll come across!
Easy-peasy-lemon-squeezy! This recipe for lemon meringue pie will surely want people coming back for more!
For every level of pie enthusiast, this recipe for Raspberry Sugar Cream pie will be appreciated!
Is your company eligible for round #2 of the Paycheck Protection Program Loan through the Small Business Administration? As the deadline approaches, Waldo is here to help small businesses apply, whether or not you’re a current customer.
As we continue to monitor daily changes to the market and laws mandated by the state and federal government, we want you to know that you are our priority. To keep you updated, we are compiling the most current, reliable information here as it becomes available to us. Please check back to get the latest news and to see how we can serve your financial needs during this time.
Wire fraud is a stealthy type of fraud that keeps surfacing. We want to re-visit this as a reminder to be ever vigilant.
This recipe is so good you may want to eat the whole thing!
An estimated 811,000 homes were sold in 2020, making an 18.8% increase in the number of homes sold in 2019.
Privacy is Important Every Day!
Sherry’s Recipe Corner is featuring a game day appetizer that is unique and delicious for any crowd!
Homeownership is such an exciting milestone in a person's life! Whether you are newlyweds, retired, or anywhere in between, it's refreshing to have a new space to call your own. The home buying process can go as slow or as fast as you care to move, but one thing is for sure, the more your finances are in order, the sooner you can take that exciting step towards homeownership. However, before you jump in, our financial experts laid out five steps in preparation for your future home quickly, efficiently, and confidently.
Sherry’s Cranberry Shortbread Bars are a delicious sweet treat that melts in your mouth!
We have a perfect combination of chocolate and peppermint just in time for the holidays!
Family is everything! Tips for protecting those you love!
They say, "hindsight is 20/20," and this couldn't be truer in 2020, especially when it comes to finances! The best way to tackle what 2021 brings is to ensure you are mindful of your finances and have a plan in place that fits your needs. We've compiled our top five tips on building successful financial resolutions that will last throughout the new year and beyond.
Thinking about what to do with your left-over turkey from Thanksgiving? This recipe is a delicious and flexible choice.
Social Engineering is on the rise. What is it?
This classic pumpkin pie recipe was tweaked so you still enjoy the benefits without the extra sugar. You won’t miss the crust!
Despite the lights, smells of comfort foods, and sights of home, the holiday season can still bring uneasiness when giving responsibly. We understand the need to optimize your hard-earned dollar, so our experts compiled a list of six quick tips to help you give and save this holiday season.
Vanessa Jensema was a brave six-year-old girl undergoing treatment for leukemia. During her treatment, she wanted to spread joy and hope to other children battling cancer. Her giving heart and strong faith created “Nessa’s Project.” After her passing, her spirit lived on through “Nessa’s Project” and evolved into Project Angel Hugs.
Whether you are ready to watch “It’s the Great Pumpkin, Charlie Brown” or thinking ahead to Thanksgiving, this dessert is sure to please. Not only is it super easy, but stores well in the refrigerator and is delicious served warm or cold. It has been a family favorite for years.
Leicht's Waldo Café is now located in the lumber yard. They are a family-owned and operated restaurant serving American cuisine. But their origin story is a bit unique.
Over 105 Years of Servicing the Community
Our experts have compiled the seven most important insights you need to know when considering your business's financing options. Waldo State Bank offers various commercial lending tools, and we’ve tailored this information to small business needs.
Driving is considered a pivotal moment in a teen's life. The freedom of being able to go anywhere with anyone at any time is liberating! However, having this freedom can bring significant responsibilities to the new driver and anxiety to parents who have to hand over the keys. Check out some tips below on how to prepare for your teen driver.
Who hasn't gotten one of the extended warranty calls?! They are frustrating and never-ending. With the rise of these calls, people are turning to robocall blocking apps.
Pin or No Pin... That is the Question!
This month's featured favorite recipe is the perfect Game Day Chili with Homemade Cornbread to complete your tailgate tradition!
If you're engaged or thinking about getting married, you've probably talked about a lot of things. If you want kids or not, where you want to live, how you view religion and politics, hopes and dreams for the future, whether toilet paper should be rolled under or over, and so much more. But something that will impact all of these things (besides maybe which way you roll your toilet paper) is something not a lot of people like talking about; finances.
This month, Sherry, our compliance officer, shares her recipe for the perfect summer dessert, rhubarb pie!
While individually, they may seem small, monthly bills add up quickly. They account for a significant portion of monthly expenditures, which is why regularly assessing them and looking for opportunities to save can impact your budget and finances. Not sure where to start? Have no fear; our financial experts are here to help you save!
With an 11% rise in online financial scams and over $13.44 million lost in just four months since the onset of the coronavirus pandemic, it is crucial to be vigilant now more than ever in protecting yourself and loved ones from financial scams.
Happy National Lasagna Day! You bet we weren’t going to miss this opportunity to share a recipe for success!
After the longest economic expansion in U.S. History, the National Bureau of Economic Research (NBER) has declared a recession, leaving many wondering how to prepare. It’s normal to feel uncertain during these times, but we want to help you feel confident with these tips from our financial experts on managing your finances during a recession.
With 41% of young adults receiving no formal financial education, 68% of young adults financially at risk or financially precarious, and over 50% reporting their parents having the most influence on their financial education, it’s important now more than ever for parents to take a leading role in financial literacy for their children. Not sure where to begin? Don’t worry, our financial experts at Waldo State Bank put together five steps to raising financially smart kids.
Screen time is something most kids are familiar with. Parents monitor which apps their kids can access. But have you considered what commercials are in those apps?
Are you looking for the perfect recipe for your next summer cookout? Look no further than these BBQ whiskey chicken skewers!
With recent global events, many people have had to cancel their family vacations this summer, and, worse, without a refund. So how do you save for another family vacation without breaking the bank or going into debt? Have no fear; you’ll be sipping Mai Tai’s on a beach in no time with these five tips from our financial experts!
Whether you’re a parent or a recent high school graduate, the rising cost of college - especially in light of recent economic turmoil - is no small concern. It’s no secret college is expensive, and now paying for college isn't either! Our finance experts came up with "The Top 5 Ways to Finance Your Future at College."
This month, our compliance officer, Sherry, shares another one of her famous recipes; Jalepeno Chedder Bread.
So, you’re considering buying a property, but where do you even begin with real estate financing? How do you get a real estate loan? What financing costs should you be aware of? How do mortgage rates work? Should you paint the house green or blue? So many questions! While we may not be the most qualified to advise on paint colors, we do have a team of lending experts at Waldo State Bank who put together the top five things you should know about real estate loans.
To all of our Waldo State Bank Customers,
I wanted to write and share how Waldo State Bank is navigating these unprecedented times to continue serving you with the unmatched service and care we are so proud to provide you. The safety of our customers and employees is our number one priority. While we miss the warm conversations and smiling faces in our lobby every day, we want to assure you we’re still here and committed to serving you with uncompromised dedication, even from a safe social distance.
So you’re in quarantine, trying to limit grocery store runs and maintain social distancing, and then it hits… you get the undeniable craving for pizza and there’s no premade crust to be found in your pantry. Well, you’re in luck, our compliance officer, Sherry, also got that craving this week and shared her secret recipe for the perfect “pantry pizza crust,” that you can make with ingredients you likely already have on hand.
With economic uncertainty and sliding interest rates, many people are looking at lending options to help them secure their future or reduce expenses, including refinancing their home. Let’s explore how refinancing a mortgage works, and if refinancing is right for you.
With many businesses now having employees working from home we want to highlight the importance of good security practices.
In light of the national state of emergency due to the COVID-19 pandemic, the Internal Revenue Service (IRS) has extended both tax filing and tax payment deadlines until July 15 for Federal Income Taxes. Here are a couple of things worth noting that may affect you:
For the safety of our customers, employees, and community, Waldo State Bank will be moving to drive-thru access only beginning Tuesday, March 17. Continue reading for more information.
Waldo State Bank is monitoring the COVID-19 Virus and while we remain open to serve our customers, you are our number one concern. We would encourage you to use caution and follow the recommendations of the CDC pertaining to the Virus as they unfold.
We are continually sanitizing and maintaining as healthy of an environment as possible and also offer remote banking services for your convenience, online, and through our mobile app.
This month, one of our Customer Service Representatives, Kari, is sharing her recipe for Luck of the Irish Instant Pot Cheesecake! Just when we thought Instant Pots couldn't possibly make one more thing, Kari shared this incredible treat with us!
When searching for financial solutions to some of life’s unexpected costs or large purchases, people often turn to high-interest credit cards to float their financial needs. Unfortunately, this means consumers often end up spending hundreds of dollars more in interest, but there is a better solution! Enter personal loans.
If you are like 56% of Americans, you might not know how much you need to retire and are probably even less sure about when and how to start working towards a retirement goal. You might also be one of the 22% of Americans who have $5k or less in retirement savings, or maybe you’re one of 15% that don’t have any retirement savings at all. The point is, wherever you are in your retirement journey, you certainly are not alone. And while it’s never too late to start saving for retirement, when you start significantly impacts your financial return and retirement strategy. So what factors should you consider when creating a retirement strategy?
You’ve likely heard the term IRA (Individual Retirement Account) before, among a bewildering amount of other retirement jargon. However, like many people, you’re probably still not sure what it is and what it can do for you. So, pull up a chair, grab a cup of coffee, and let’s talk about IRAs in plain English.
Our Vice President and Chief Loan Officer, Derrick, is sharing his Aunt Connie’s Baked Bean Casserole! According to Derrick, this casserole is magic, and we agree! Give the recipe a try for yourself.
The Federal Trade Commission (FTC) shares tips on protecting yourself from scams when dealing with mobile payments.
What is the best way to leverage your Health Savings Account (HAS) for retirement? Let’s explore an interest-bearing HSA account at Waldo State Bank.
You have your 401(k), your IRA, your savings account, and your checking account. You name it; you’re on top of it. But, do you have an HSA account? With a bit of strategy, an HSA account can be an excellent tool to cover current medical expenses and help you save long-term. HSA accounts can even offer considerable benefits after retirement and can serve as a good retirement savings strategy. Open an interest-bearing HSA account at Waldo State Bank and take advantage of our competitive rates and helpful team!
Are you ready for game day? Gear up with our featured Buffalo Chicken Dip. This recipe is quick and simple, so you don’t have to worry about missing kickoff!
The holidays are an exciting and wonderful time of year, but they can also be very expensive! Pricey gifts, festive decorations, ugly sweaters, and big family dinners can add up quickly before you find yourself way over budget. There's no reason to feel discouraged, however. After all, the holidays are all about feeling good and feeling the love from those around you. And because Waldo State Bank cares about our customers, we've prepared some tips in case you find yourself in over your head after the holidays!
For many years, Tammy, our Loan Servicing Specialist, has been treating our team to her homemade caramel corn! It quickly became a bank favorite, and we are excited to share it with you.
The "young adult" phase of life is important for many reasons. It's during this time that people enter college or the workforce. Some young adults may even start families or venture into entrepreneurship at this time. No matter how this period plays out, there is one common truth about the young adult years - they are the most pivotal years for investing and saving for the future.
Certificate of Deposit (CD) accounts are one of the safest ways to grow your money and receive a great rate. Investors choose CDs due to their low risk and high yield. CDs are FDIC-insured accounts that offer a broad range of maturity rates and returns. At Waldo State Bank, our personable staff helps guide our customers towards discovering the best rates for CD accounts that will help them reach both their short-term and long-term goals.
Social media is a great way to stay in touch with friends and family. Here are some tips on helping to protect your information while you’re on social media.
For Halloween, our team had a scary good potluck! One of the dishes brought to pass was Ashley Lawrence’s Scarily Good Salad – it had our team spooked by how delicious it was. Give this salad a try for yourself!
Waldo State Bank was established in 1913 as an independently owned community bank. For over 107 years, we have committed ourselves to providing Sheboygan county residents and business owners with expert banking services, striving to achieve our mission by offering genuine customer service with the highest degree of integrity, professionalism, and confidentiality. These founding principles have led us to develop a rich history of lifelong, trusted relationships with our customers.
At Waldo State Bank, we know that customers have a never-ending list of banking options to choose from. Our staff receives the same bombardments of corporate bank offers and postcards in our mailboxes that everyone else does! So what sets us apart? Why should you choose to deposit with Waldo State Bank?
While large corporate banks will treat their customers like numbers, providing cold and impersonal interactions, Waldo State Bank’s staff gets to know all of our customers by name. We listen to their stories and offer personalized service that helps each of them reach their individual goals. At Waldo State Bank, our customers are like our extended family!
Fall has arrived bringing with it weekends full of football and cozy evenings by the fire. If you’re looking for the perfect snack to accompany your fall activities, look no further. Our Waldo State Bank team gave Lynn Flood’s Mozzarella Pretzel Dip a taste test and it quite the treat! Make this party-approved recipe for yourself!
Waldo State Bank has the ingredients to help you find success in your financial goals and aspirations, but we’ve taken to asking our team members and customers to help us share some of their favorite food recipes from home! Ted Katsma, our Deposit Operations Officer, shares his recipe for “Paul & Mia’s Chocolate Peanut Butter Balls.”
Investing personal wealth to earn a substantial return isn't a simple trick. There is a lot of important information to research and understand the different options available, as well as the risks and benefits associated with each. Stocks and CD accounts are two popular investment types with very different approaches toward earning returns. While stocks are popular, Waldo State Bank would like to point out the reasons CDs are a safer, more beneficial choice for investing your money.
Waldo State Bank supports Project Angel Hugs, a non-profit dedicated to nurturing a passion for Christ-centered service and ministering to the emotional needs of children touched by cancer and their families.