Together we can help you reach your goal
Earn more with higher balances. Save money on accounts with no fees. Whatever your goal is, WCCU has a Savings, Money Market, Certificate of Deposit, IRAs and more to help meet your needs.Checking Accounts
| Program | Rate | APY* | Balance |
|---|---|---|---|
| Cashback Checking** | 0.00% | 0.00% | $0.00 |
| eChecking*** | 4.89% | 5.00% | $0.00 to $19,999.99 |
| 0.50% | 0.50% | $20,000 and above | |
| Free Checking | 0.00% | 0.00% | $0.00 |
| Interest Checking | 0.00% | 0.00% | $0.00 to $2,499.99 |
| 0.05% | 0.05% | $2,500 to $9,999.99 | |
| 0.05% | 0.05% | $10,000 to $49,999.99 | |
| 0.10% | 0.10% | $50,000 and above |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. Fees may reduce earnings. All checking accounts require $10 min. to open.
**You can earn 3% Cashback on PIN or signature based transaction amounts up to $333 per month with maximum earnings of $10 per month paid at the end of each statement cycle. The funds will be granted after 5pm on the last day of each month. ATM transactions, money order purchases and peer to peer payments are not eligible for cash back rewards. Cash Back benefit is available if the following requirements are met: deposit $10 to open account, enroll in eBanking, establish a monthly direct deposit totaling a minimum of $500 per month, activate eStatements and use a WCCU debit card. Direct deposit is available up to 1 business day early dependent on the timing of our receipt of the direct deposit instructions. There are no monthly service charges if you enroll and maintain direct deposit. If direct deposit is not maintained there will be a $5 monthly fee and you will be ineligible for cash back that month. Maximum of one cashback checking account per member.
***eChecking 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 Accounts
| Program | Rate | APY* | Balance |
|---|---|---|---|
| Share Account | 0.05% | 0.05% | $5.00 to $4,999.99 |
| 0.05% | 0.05% | $5,000.00 to $49,999.99 | |
| 0.05% | 0.05% | $50,000.00 and above |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. Fees may reduce earnings. Includes WCCU Money Mammals Kids Club and Youth Share Savings Account. $5 min. to open.
Diamond Savings Account
| Program | Rate | APY* | Balance |
|---|---|---|---|
| Diamond Savings Account | 3.68% | 3.75% | $0.00 to $24,999.99 |
| 2.47% | 2.50% | $25,000.00 and above |
*Annual Percentage Yield (APY) is effective as of is a limited time offer and subject to change. Fees may reduce earnings. Rate shown is for balances $0 - $24,999.99. Balances $25,000 or greater will earn 2.50% APY. Minimum to open is $25.00. Limit (1) Diamond Savings account per member. This offer is for new money only. New money refers to monies transferred from another financial institution. Existing WCCU members are eligible when an additional minimum $1,000 in new money is added to their existing WCCU funds. There are no monthly fees. eStatement enrollment is required.
IRA Savings Account
| Program | Rate | APY* | Balance |
|---|---|---|---|
| IRA Savings Account | 0.10% | 0.10% | $0 to $9,999.99 |
| 0.25% | 0.25% | $10,000.00 to $24,999.99 | |
| 0.35% | 0.35% | $25,000.00 to $99,999.99 | |
| 0.45% | 0.45% | $100,000.00 and above |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. Fees may reduce earnings. $25 Minimum balance to open. Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions.
Reward Savings Account
| Program | Rate | APY* | Balance |
|---|---|---|---|
| Rewards Savings Account | 0.10% | 0.10% | $5.00 to $9,999.99 |
| 0.10% | 0.10% | $10,000.00 to $49,999.99 | |
| 0.10% | 0.10% | $50,000.00 to $99,999.99 | |
| 0.10% | 0.10% | $100,000.00 to $199,999.99 | |
| 0.15% | 0.15% | $200,000.00 and above |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. Fees may reduce earnings. 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.
#Goals Savings Account
| Program | Rate | APY* | Balance |
|---|---|---|---|
| #Goals Savings Account | 2.96% | 3.00% | $0.00 |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. Fees may reduce earnings. 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. Closing the account early will result in the loss of 90 days of interest. Interest is compounded monthly and credited to your account monthly.
Advantage Money Market Account
| Program | Rate | APY* | Balance |
|---|---|---|---|
| Advantage Money Market Account | 1.24% | 1.25% | $100.00 to $19,999.99 |
| 1.74% | 1.75% | $20,000.00 to $49,999.99 | |
| 2.96% | 3.00% | $50,000.00 to $99,999.99 | |
| 3.20% | 3.25% | $100,000.00 to $249,999.99 | |
| 3.93% | 4.00% | $250,000.00 and above |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. Fees may reduce earnings. There are no monthly service charges with this account. A minimum balance of $100 and an active eChecking account is required. If requirements not met, the lowest tier rate published on that day will apply. Interest is compounded monthly and credited to your account monthly.
Interest Money Market Account
| Program | Rate | APY* | Balance |
|---|---|---|---|
| Interest Money Market Account | 0.10% | 0.10% | $0.00 to $2,499.99 |
| 0.10% | 0.10% | $2,500.00 to $4,999.99 | |
| 0.10% | 0.10% | $5,000.00 to $24,999.99 | |
| 0.10% | 0.10% | $25,000.00 to $74,999.99 | |
| 0.15% | 0.15% | $75,000.00 and above |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. Fees may reduce earnings. 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.
Certificates of Deposit
| Term | Rate | APY* | Balance |
|---|---|---|---|
| 3 Months | 0.10% | 0.10% | $500.00 |
| 6 Months | 3.93% | 4.00% | $500.00 |
| 12 Months | 4.12% | 4.20% | $500.00 |
| 18 Months | 3.78% | 3.85% | $500.00 |
| 24 Months | 2.96% | 3.00% | $500.00 |
| 36 Months | 2.96% | 3.00% | $500.00 |
| 48 Months | 0.65% | 0.65% | $500.00 |
| 60 Months | 0.70% | 0.70% | $500.00 |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. A penalty will or may be imposed for early withdrawal. $500 minimum balance to open.
IRAs
| Term | Rate | APY* | Balance |
|---|---|---|---|
| 3 Months | 0.10% | 0.10% | $500.00 |
| 6 Months | 3.93% | 4.00% | $500.00 |
| 12 Months | 4.12% | 4.20% | $500.00 |
| 18 Months | 3.78% | 3.85% | $500.00 |
| 24 Months | 2.96% | 3.00% | $500.00 |
| 36 Months | 2.96% | 3.00% | $500.00 |
| 48 Months | 0.65% | 0.65% | $500.00 |
| 60 Months | 0.70% | 0.70% | $500.00 |
*Annual Percentage Yield (APY) is effective as of and subject to change without notice. A penalty will or may be imposed for early withdrawal. $500 minimum balance to open.
Premier 3 Month CD Special
| Term | Rate | APY* | Minimum Daily Balance to earn APY |
|---|---|---|---|
| 3 Months | 3.93% | 4.00% | $500 to $24,999.99 |
| 4.07% | 4.15% | $25,000 to $49,999.99 | |
| 4.27% | 4.35% | $50,000 to $99,999.99 | |
| 4.41% | 4.50% | $100,000 and above |
*Annual Percentage Yield (APY) is effective as of and 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.
Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond, Wakefield, and Coventry.
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