Current Deposit Rates

Savings & Interest-Bearing Checking Accounts

Effective Date: 9/25/2024

Product
Minimum Balance
Annual Percentage Yield*
Savings Account
$25
0.05%
Checking Account (Advantage accounts only)
* Refer to Schedule of Fees and Charges
0.02%
Holiday Savings Club**
$50
1.00%

* Fees or other conditions may reduce earnings on accounts. Rates on savings, money market, and checking are variable and subject to change after account opening. An early withdrawal may apply for term certificates. All rates are subject to change without notice. For fees, please refer to our Schedule of Fees and Charges.

** The Holiday Club dividend rate of 1.0% APY (annual percentage yield) will earn up to $5,000. Deposits above $5,000 will earn a dividend at the prevailing rate. Early withdrawal penalty applies to the Holiday Savings Club (a term share account). Membership in WPCCU is required to open the account. Members must maintain a $25 account balance in their primary savings account in addition to the Holiday Savings Club account.

Flexible Savings Certificate*

Effective Date: 9/25/2024

Term
Dividend Rate
Annual Percentage Yield*
Minimum Balance
Regular 6-months Flex
3.50%
3.55%
$5,000
Sunrise 6-month Flex
0.30%
0.30%
$5,000

*Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.

Tiered Rate Savings Certificates

Effective Date: 9/25/2024

Term
Dividend Rate / APY
$1,000 to $9,999.99
Dividend Rate / APY
$10,000 to $49,999.99
Dividend Rate / APY
$50,000 to $98,999.99
Dividend Rate / APY
Balance $99,000 and over
3 months
3.70% / 3.75%
3.70% / 3.75%
3.70% / 3.75%
3.70% / 3.75%
6 months
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
IRA Certificates

Effective Date: 9/25/2024

Term
Dividend Rate / APY
Start Up: $50 to $999
Dividend Rate / APY
$1,000 to $9,999
Dividend Rate / APY
$10,000 to $49,999
Dividend Rate / APY
$50,000 to $98,999
Dividend Rate / APY
Balance of $99,000 and over
3 months
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%

Members can open a 3 month IRA Certificate with as little as $50. Once the balance reaches $1,000, please call 800-300-9728 and ask for an upgrade to a longer term certificate at higher dividends. Early withdrawal subject to penalty.

6 months
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%