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Checking and Savings

Savings & Money Market

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Whether you are planning for retirement, thinking about an emergency fund, or starting an education fund, we have the great rates and flexible terms needed to put you on the right track.

View our Comparison Chart of all Savings Accounts.

#Goals Savings Account

Automatic deposits and a crazy high rate help you save money to achieve your #Goals!

  • At account opening, set up an automatic transfer to come from your WCCU Checking Account (at least once per month). Choose any amount between $5 – $500, then sit back and watch your savings grow!
  • Earn a crazy high rate.
  • No withdrawals (Of course not! You are trying to reach a goal!).
  • Rate is fixed for 12 months.
  • At the end of 12 months, all savings will be transferred automatically into your WCCU Savings or Checking Account. Don't stop there, set up a new automatic transfer and watch the savings roll in!

Rewards Savings Account

Your WCCU loan balances count toward your rate tier!

  • Will establish membership with a $5 deposit.
  • ATM, eBanking access.
  • Rate based on total balances with WCCU - including Savings & Loans (excluding 1st Mortgages).
  • No minimum balance requirements.
  • No monthly service charges.

Interest Money Market

Earn higher interest.

  • $25 monthly service charge waived if balance of $10,000 or more is maintained.
  • Balances of $75,000 or more earn our highest rate.

Share Savings

  • Will establish membership with a $5 deposit.
  • ATM, eBanking access.
  • No monthly service charges.

Savings & Money Market Accounts
Effective Date: Monday, February 24th, 2020
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.

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