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Checking and Savings

Deposit Rates

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Deposit Rates

Checking Accounts
Effective Date: Friday, August 23rd, 2019
ProgramRateAPY*Minimum Daily Balance to earn APY
Free Checking 0.00% 0.000% $0.00
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 as a PIN or signature based transaction, 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: Friday, August 23rd, 2019
ProgramRateAPY*Minimum Daily Balance to earn APY
Share Account
  0.10% 0.100% $5.00 to $4,999.99
  0.10% 0.100% $5,000.00 to $49,999.99
  0.10% 0.100% $50,000.00 and above
Includes WCCU Money Mammals Kids Club and Youth Share Savings Account. $5 min. to open - establishes membership.
IRA Savings Account
  0.25% 0.250% $25 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% $5.00 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.
#Goals Savings Account
  3.93% 4.000% $0.00
Rates are fixed for 12 months. After 12 months all accrued savings plus earnings will be transferred into your WCCU Savings (other than #Goals Savings) or Checking Account. Only 1 #Goals Savings Account per membership. At account opening automatic transfers will be scheduled from your WCCU checking account, $5 min. per month, $500 max. per month. Amount and date of transfer can be changed at any time. Auto transfers are the only deposits that can be made into this account. A penalty will be imposed for early withdrawal. 
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: Friday, August 23rd, 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: Friday, August 23rd, 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.

Premier 3 Month CD Special
Effective Date: Friday, August 23rd, 2019
TermRateAPY*Minimum Daily Balance to earn APY
3 Months 1.74% 1.750% $500 to $24,999.99
  1.98% 2.000% $25,000 to $49,999.99
  2.23% 2.250% $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: Friday, August 23rd, 2019
TermRateAPY*Minimum Daily Balance to earn APY
13 Months 1.54% 1.550% $500 to $4,999.99
  1.79% 1.800% $5,000 to $9,999.99
  2.03% 2.050% $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: Friday, August 23rd, 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.

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