The Wayne County Bancshares, Inc. All Credit Levels is a cdfi lender from Wayne County Bancshares, Inc.. Rewards: We pay you to bank here — not the other way around.. Wayne County Bancshares, Inc. operates Wayne County Bank, a financial institution based in Waynesboro, TN, that provides a range of banking services to individuals and businesses in the local community. They focus on creating opportunities within their communities through various financial products and services. Services include: business loans, personal loans, mortgages, auto loans. US Treasury certified CDFI Bank/Thrift in Waynesboro, TN.