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Westerly Community Credit Union Rates

At Westerly Community Credit Union, you’ll find we have the great deposit, loan & home financing rates you need to reach all of your financial goals!

Deposit Rates

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Checking Accounts
Effective Date: Saturday, February 17th, 2018
ProgramRateAPY*Minimum Daily Balance to earn APY
Interest Checking 0.00% 0.000% $0.00 to $2,499.99
  0.05% 0.050% $2,500 to $9,999.99
  0.10% 0.100% $10,000 to $49,999.99
  0.20% 0.200% $50,000 and above
eChecking** 1.00% 1.000% $0.00
eChecking & Interest Checking require $10 min. to open.

*Annual Percentage Yield (APY) is subject to change without notice. Fees may reduce earnings. **Rate shown is for accounts which meet the following monthly requirements and have a balance less than $1000.00: member must sign up for Online Banking and sign up/activate eNews, eNotices, and eStatements. Member must also make 1 direct deposit or ACH deposit transfer per month, 1 debit card transaction and 1 bill pay transaction per month. If account does not meet the criteria, the monthly rate will be .10% APY. Balances $1000 and greater will earn an APY of 0.50% if requirements are met.

Savings & Money Market Accounts
Effective Date: Saturday, February 17th, 2018
ProgramRateAPY*Minimum Daily Balance to earn APY
Share Account
  0.05% 0.050% $0.00 to $4,999.99
  0.05% 0.050% $5,000.00 to $49,999.99
  0.05% 0.050% $50,000.00 and above
Includes WCCU Kids Club and Youth Share Savings Account. $5 min. to open - establishes membership.
IRA Savings Account
  0.25% 0.250% $0.00 to $4,999.99
  0.25% 0.250% $5,000.00 to $9,999.99
  0.25% 0.500% $10,000.00 and above
$25 Minimum balance to open. Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions.
Rewards Savings Account
  0.05% 0.050% $0.00 to $9,999.99
  0.05% 0.050% $10,000.00 to $49,999.99
  0.10% 0.100% $50,000.00 to $99,999.99
  0.10% 0.100% $100,000.00 to $199,999.99
  0.20% 0.200% $200,000.00 and above
No monthly service charges. Rate based on total balances under Primary Owner’s number- savings and loans. Interest is compounded & posted monthly based on total balances shown on last business day of the month. $5 min. to open - establishes membership.
Interest Money Market Account
  0.05% 0.050% $0.00 to $2,499.99
  0.05% 0.050% $2,500.00 to $4,999.99
  0.10% 0.100% $5,000.00 to $24,999.99
  0.20% 0.200% $25,000.00 to $74,999.99
  0.20% 0.200% $75,000.00 and above
Minimum to open is $2,500. No monthly service charge if minimum balance of $10,000 is maintained, otherwise there is a $25.00 monthly fee.

*Annual Percentage Yield (APY) is subject to change without notice. Fees may reduce earnings.

Certificates of Deposit
Effective Date: Saturday, February 17th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
3 Months 0.25% 0.250% $500.00
6 Months 0.30% 0.300% $500.00
12 Months 0.45% 0.450% $500.00
18 Months 0.60% 0.600% $500.00
24 Months 0.70% 0.700% $500.00
36 Months 0.85% 0.850% $500.00
48 Months 1.09% 1.100% $500.00
60 Months 1.59% 1.600% $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. Rates shown reflect a 0.10% rate increase for Members in the Members Advantage Program. See a Financial Services Representative for details.

IRAs
Effective Date: Saturday, February 17th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
3 Months 0.25% 0.250% $500.00
6 Months 0.30% 0.300% $500.00
12 Months 0.45% 0.450% $500.00
18 Months 0.60% 0.600% $500.00
24 Months 0.70% 0.700% $500.00
36 Months 0.85% 0.850% $500.00
48 Months 1.09% 1.100% $500.00
60 Months 1.59% 1.600% $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. Rates shown reflect a 0.10% rate increase for Members in the Members Advantage Program. See a Financial Services Representative for details.

9 Month CD/IRA Special
Effective Date: Saturday, February 17th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
9 Months 1.24% 1.250% $500.00

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $500 for the 9 month CD/IRA. A penalty will be imposed for early withdrawal. 9 Month CD/IRA requires WCCU checking account. Members Advantage does not apply.

12 Month Savings Challenge CD Special
Effective Date: Saturday, February 17th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
12 Months 0.35% 0.350% $25.00

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $25 for the 12 month Savings Challenge CD. Deposits of $25 or more can be made at any time. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

15 Month CD/IRA Special
Effective Date: Saturday, February 17th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
15 Months 1.09% 1.100% $500 to $4,999.99
  1.29% 1.300% $5,000 to $9,999.99
  1.49% 1.500% $10,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $500 for the 15 month tiered CD/IRA. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

33 Month CD/IRA Special
Effective Date: Saturday, February 17th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
33 Months 1.34% 1.350% $2,500 to $24,999.99
  1.54% 1.550% $25,000 to $49,000.99
  1.74% 1.750% $50,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $2500 for the 33 month tiered CD/IRA. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

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