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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

Help Us Celebrate Our Grand Opening with this special offer:
7 Month Tiered CD Special 2.50% APY!*
Scroll down to see all tiers!
Click here to see all of our Grand Opening Specials!

*Annual Percentage Yield (APY) as of 11/1/2018 and subject to change. Rate shown is for a balance of $10,000 and above. Balances $5,000 - $9,999.99 earn 2.25%APY, and balances $500 - $4,999.99 earn 2.00%APY. Member’s Advantage does not apply. Requires a minimum deposit of $500. Other rates and terms available. A penalty will be imposed for early withdrawal. Interest will be deposited into a WCCU account only. Offer available at any branch location through 12/31/18.

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Checking Accounts
Effective Date: Wednesday, November 14th, 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** 2.96% 3.000% $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 balances $0 - $19,999.99, balances of $20,000 or greater will earn .50% APY. To receive the higher rates, members must meet the following requirements: use their debit card a minimum of 10 times per month, sign up and activate eStatements, and complete 1 or more direct deposit or ACH transfers per month totaling a minimum of $500. If account does not meet the criteria, the monthly rate will be .10% APY.

Savings & Money Market Accounts
Effective Date: Wednesday, November 14th, 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
  0.50% 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
  0.10% 0.100% $0.00 to $9,999.99
  0.15% 0.150% $10,000.00 to $49,999.99
  0.20% 0.200% $50,000.00 to $99,999.99
  0.25% 0.250% $100,000.00 to $199,999.99
  0.30% 0.300% $200,000.00 and above
No monthly service charges. Rate based on total balances under Primary Owner’s number- savings and loans (excluding 1st Mortgages). 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
  0.10% 0.100% $0.00 to $2,499.99
  0.10% 0.100% $2,500.00 to $4,999.99
  0.15% 0.150% $5,000.00 to $24,999.99
  0.25% 0.250% $25,000.00 to $74,999.99
  0.25% 0.250% $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: Wednesday, November 14th, 2018
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, November 14th, 2018
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.

7 Month CD/IRA Special
Effective Date: Wednesday, November 14th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
7 Months 1.98% 2.000% $500 to $4,999.99
  2.23% 2.250% $5,000 to $9,999.99
  2.48% 2.500% $10,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $500 for the 7 month CD/IRA. A penalty will be imposed for early withdrawal. 7 Month CD/IRA requires WCCU checking account. Members Advantage does not apply.

12 Month Savings Challenge CD Special
Effective Date: Wednesday, November 14th, 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: Wednesday, November 14th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
15 Months 1.98% 2.000% $500 to $4,999.99
  2.23% 2.250% $5,000 to $9,999.99
  2.48% 2.500% $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.

27 Month CD/IRA Special
Effective Date: Wednesday, November 14th, 2018
TermRateAPY*Minimum Daily Balance to earn APY
27 Months 2.48% 2.500% $2,500 to $24,999.99
  2.72% 2.750% $25,000 to $49,000.99
  2.96% 3.000% $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.

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