Savings Accounts

¹All Accounts: Rates subject to change at any time without notice unless otherwise noted. Rate may change after the account is opened. Offers may be withdrawn at any time. Subject to membership eligibility. Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. $5 will be held in account until the account is terminated, at which time it will be returned to the account owner. Annual Percentage Yield (APY) and rates are effective as of 7/2/2025. Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly.

²Accelerate Savings: The minimum balance required to open this account is $5. You must maintain a minimum daily balance of $5 in your account each day to obtain the disclosed annual percentage yields as per our disclosed rates. See rates page for rates and minimum balance to earn dividend requirements.

³Advantage Savings: Account transactions and activities may take one or more days to post and settle to account and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Advertised information and rewards are based on all account qualifications being met during each cycle period. If qualifications are not met, there may be fees which may reduce earnings. See our Fee Schedule for specifics. See our website or contact us for specific Monthly Qualification Cycle dates, other cycle dates, restrictions, non-qualifying reward transactions, reward calculations, account details, processing limitations, and enrollment.

Reward Information: APY = Annual Percentage Yield. APYs accurate as of 5/7/2025.When your linked Advantage High Interest or Advantage Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Advantage Savings account earn a rate of {{RatePlaceHolder}} resulting in an APY of {{RatePlaceHolder}}; and daily balances over $100,000 earn a rate of {{RatePlaceHolder}} on the portion of the daily balance over $100,000, resulting in a range from {{RatePlaceHolder}} APY depending on the account's daily balance. APY calculations are based on an assumed balance of $100,000+ $100,000 in your Advantage Savings account and an assumed statement cycle of thirty-one (31) days. NOTE: ATM fee reimbursements only apply to Advantage High Interest and Advantage Cash Back. When your linked Advantage High Interest or Advantage Cash Back account qualifications are not met, the entire daily balance in the Advantage Savings account earns a rate of {{RatePlaceHolder}} resulting in an annual percentage yield of {{RatePlaceHolder}} APY. Interest will be credited to your Advantage Savings account on the last business day of the month. Rates and rewards are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

⁴All Accounts: Other institutions may impose a surcharge for use of their ATMs.

⁵All Accounts: Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

⁶Early Pay Day: Preauthorized direct deposits received by Workers Credit Union (WCU) may be credited to your account up to one business day prior to the scheduled posting date. We may not always receive the information early and then would not be able to post your deposit early. WCU is not liable if we do not receive the preauthorized deposit or fail to deposit these funds to your account early. Always verify that the direct deposit has posted to your account. You are responsible for any overdraft fees from transactions clearing prior to any deposit.