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Checking and Savings

Certificates & IRAs

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Certificates of Deposit (CDs)

Fixed terms earn higher interest.

  • 3 month - 60 month terms.
  • $500 minimum to open.

Individual Retirement Accounts (IRAs)

Open a Traditional, Roth or Education IRA

  • IRA Savings Account
    • $25 to open.
    • No monthly service charges.
    • Any deposit amount allowed at any time.
       
  • IRA Certificates of Deposit
    • Terms range from 3 months to 60 months.
    • $500 minimum to open.

Premier 3 Month CD Special
Effective Date: Wednesday, October 16th, 2019
TermRateAPY*Minimum Daily Balance to earn APY
3 Months 1.59% 1.600% $500 to $24,999.99
  1.83% 1.850% $25,000 to $49,999.99
  2.08% 2.100% $50,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. $500 minimum deposit and balance is required for the 3 month tiered CD. A penalty will be imposed for early withdrawal. Members Advantage does not apply. Requires a WCCU checking account at opening and direct deposit within 60 days of opening to receive the premier rate, if account does not meet those criteria, the traditional cd rate as listed on the website at the time of default will be applied for the duration of the term. Other rates and terms available. One penalty free withdrawal allowed during CD term, unless the withdrawal occurs within 6 days of initial deposit or within 6 days of a previous withdrawal.

13 Month CD/IRA Special
Effective Date: Wednesday, October 16th, 2019
TermRateAPY*Minimum Daily Balance to earn APY
13 Months 1.49% 1.500% $500 to $4,999.99
  1.74% 1.750% $5,000 to $9,999.99
  1.98% 2.000% $10,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $500 for the 13 month tiered CD/IRA. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

27 Month CD/IRA Special
Effective Date: Wednesday, October 16th, 2019
TermRateAPY*Minimum Daily Balance to earn APY
27 Months 1.49% 1.500% $2,500 to $24,999.99
  1.74% 1.750% $25,000 to $49,999.99
  1.98% 2.000% $50,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $2500 for the 27 month tiered CD/IRA. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

Certificates of Deposit
Effective Date: Wednesday, October 16th, 2019
TermRateAPY*Minimum Daily Balance to earn APY
3 Months 0.15% 0.150% $500.00
6 Months 0.20% 0.200% $500.00
12 Months 0.45% 0.450% $500.00
18 Months 0.55% 0.550% $500.00
24 Months 0.75% 0.750% $500.00
36 Months 0.75% 0.750% $500.00
48 Months 1.00% 1.000% $500.00
60 Months 1.49% 1.500% $500.00

*Annual Percentage Yield (APY) is subject to change without notice. A penalty will or may be imposed for early withdrawal. $500 minimum balance to open. Those in the Members Advantage program, please contact a Financial Services Representative for rates.

IRAs
Effective Date: Wednesday, October 16th, 2019
TermRateAPY*Minimum Daily Balance to earn APY
3 Months 0.15% 0.150% $500.00
6 Months 0.20% 0.200% $500.00
12 Months 0.45% 0.450% $500.00
18 Months 0.55% 0.550% $500.00
24 Months 0.75% 0.750% $500.00
36 Months 0.75% 0.750% $500.00
48 Months 1.00% 1.000% $500.00
60 Months 1.49% 1.500% $500.00

*Annual Percentage Yield (APY) is subject to change without notice. A penalty will or may be imposed for early withdrawal. $500 minimum balance to open. Those members in the Members Advantage program, please contact a Financial Services Representative for rates.

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