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Routing Number: #211382931
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You Deserve More for Your Money
Earn competitive rates on Workers checking, savings and CD accounts and get low rates on loans for your life or your business.
We encourage members with balances that exceed $100,000 to meet with a Relationship Manager to see if you qualify for a PlanIt+ Membership.
Open as your basic membership account or add as a secondary account.1
| Minimum Daily Balance for APY | Rate | APY | Minimum to Open |
|---|---|---|---|
| $50 | 0.05% | 0.05% | $5 |
Must be opened with an Advantage High Interest or Cash Back Checking.1,7
| Minimum Daily Balance for APY | Rate | APY | Minimum to Open |
|---|---|---|---|
| $0-$100,000.00 | 2.96% | 3.00% | $5 |
| $100,000.01 or more | 0.995% | 3.00% to 2.00% | $5 |
| If requirements are not met | 0.05% | 0.05% | $5 |
Put your savings into high-gear and reach your goals faster.1,5
| Minimum Daily Balance for Stated APY | Rate | APY | Minimum to Open |
|---|---|---|---|
| $5 | 2.08% | 2.10% | $5 |
Are you down to SaveUp? Save more with high rates and small, attainable tiers.1,2
| Minimum Daily Balance for Stated APY | Base Rate | Base APY | Minimum to Open |
|---|---|---|---|
| $0–$499.99 | 1.00% | 1.00% | $5 |
| $500–$999.99 | 1.00% | 1.00%-1.01% | $5 |
| $1,000–$1,999.99 | 0.15% | 1.01%-0.58% | $5 |
| $2,000–$2,999.99 | 0.15% | 0.58%–0.44% | $5 |
| $3,000–$4,999.99 | 0.15% | 0.44%–0.32% | $5 |
| $5,000–$6,999.99 | 0.15% | 0.32%–0.27% | $5 |
| $7,000–$9,999.99 | 0.15% | 0.27%–0.24% | $5 |
| $10,000–$12,999.99 | 0.15% | 0.24%–0.22% | $5 |
| $13,000–$16,999.99 | 0.15% | 0.22%–0.20% | $5 |
| $17,000–$20,999.99 | 0.15% | 0.20%–0.19% | $5 |
| $21,000–$24,999.99 | 0.17% | 0.19%–0.18% | $5 |
| $25,000–$29,999.99 | 0.15% | 0.18%–0.18% | $5 |
| $30,000–$39,999.99 | 0.18% | 0.18%–0.17% | $5 |
| $40,000–$49,999.99 | 0.15% | 0.17%–0.17% | $5 |
| $50,000–74,999.99 | 0.15% | 0.17%–0.16% | $5 |
| $75,000–$99,999.99 | 0.15% | 0.16%–0.16% | $5 |
| $100,000–$249,999.99 | 0.15% | 0.16%–0.15% | $5 |
| $250,000–$999,999.99 | 0.15% | 0.15%–0.15% | $5 |
| $1,000,000 or more | 0.15% | 0.15%–0.15% | $5 |
Save now, enjoy later with our Holiday and Vacation Club accounts.1
| Minimum Daily Balance for APY | Rate | APY | Minimum to Open |
|---|---|---|---|
| $5 | 0.10% | 0.10% | $5 |
Open as your basic membership account or add as a secondary account.1,3
| Minimum Daily Balance for Stated APY | Rate | APY | Minimum to Open |
|---|---|---|---|
| $50 | 0.35% | 0.35% | $500 |
Strengthen your retirement savings.1
| Minimum Daily Balance for Stated APY | Rate | APY | Minimum to Open |
|---|---|---|---|
| $50 | 0.05% | 0.05% | $5 |
A free checking account with no minimum balance and Advantage rewards.1,8
| Minimum Daily Balance for APY | Rate | APY | Minimum to Open Online |
|---|---|---|---|
| $0-$15,000.00 | 4.41% | 4.50% | $5 |
| $15,000.01 or more | 0.995% | 4.50% - 1.46% | $5 |
| If requirements are not met | 0.05% | 0.05% | $5 |
A free checking account with no minimum balance and Advantage rewards.1,9
| Cash Back Rate |
|---|
| 4.00% |
Rates for Workers Money Market Checking account holder. 1,10
| Minimum Daily Balance for Stated APY | Rate | APY | Minimum to Open |
|---|---|---|---|
| $50–$9,999.99 | 1.34% | 1.35% | $1,000 |
| $10,000–$24.999.99 | 1.34% | 1.35% | $1,000 |
| $25,000–$99,999.99 | 2.32% | 2.35% | $1,000 |
| $100,000 or more | 3.30% | 3.35% | $1,000 |
For a limited time only. 1,4,6
| CD Term |
Rate: $500 or more |
APY: $500 or more |
|---|---|---|
| 7 Months | 3.68% | 3.70% |
Choose your term and lock in your rate. 1,4
| CD Term |
Rate Tier 1: $500–$24,999.99 |
APY Tier 1: $500–$24,999.99 |
Rate Tier 2: $25,000 or more |
APY Tier 2: $25,000 or more |
|---|---|---|---|---|
| 6-Month - Open Now | 3.14% | 3.15% | 3.14% | 3.15% |
| 12-Month - Open Now | 3.11% | 3.15% | 3.11% | 3.15% |
| 18-Month - Open Now | 3.11% | 3.15% | 3.11% | 3.15% |
| 24-Month - Open Now | 3.50% | 3.55% | 3.50% | 3.55% |
| 36-Month - Open Now | 3.11% | 3.15% | 3.11% | 3.15% |
| 60-Month - Open Now | 3.11% | 3.15% | 3.11% | 3.15% |
1 All Accounts: Rates subject to change at any time without notice unless otherwise noted. Rate may change after account is opened unless it is a fixed rate term share certificate noted in the account disclosure. 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 8/28/2025. Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly unless otherwise noted in the account disclosure.
2 SaveUp 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 table above for the breakdown of tiers, rates and minimum balance to earn dividend requirements. Interest compounded daily and paid monthly.
The highest APY range listed assumes a deposit of $3,000,000 for illustration purposes only. There is no maximum deposit amount. There is a limit of one (1) SaveUp account per member as a primary owner.
3 cuSave Online Savings: Account can be opened online or in a branch. To earn the noted APY you must signup and maintain eStatements and maintain a minimum daily balance of $50. If eStatement requirement is not met in a monthly statement cycle a base rate of 0.10% APY will apply to the entire balance of the statement cycle.
4 CDs: Substantial penalty for early withdrawal may apply. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Minimum balance is $500 to open a CD and $1,000 to open an IRA Certificates. Consult a financial/tax advisor regarding IRA tax deductibility and contribution limits. Please refer to your CD account disclosure and account terms and conditions provided at account opening for additional information. For terms less than 12 months simple interest will be paid at maturity. For terms 12 months or more dividends are compounded daily and paid monthly. Dividends calculated based on the daily balance method.
5Accelerate 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. Interest compounded daily and paid monthly.
67-Month CD Special: 7-Month Term Special available for a limited time only. This account automatically renews at maturity, unless we received written notice from you within the grace period mentioned below. Note: Certificates and IRAs will automatically renew upon maturity into a 12-month regular term certificate or IRA unless written notice is received 30 days prior to maturity or during the grace period. See CD account disclosure and account terms and conditions provided at account opening for additional information.
7Advantage 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 dividend rate of 2.96% resulting in an APY of 3.00%; and daily balances over $100,000 earn a dividend rate of 0.995% on the portion of the daily balance over $100,000, resulting in a range from 3.00% to 2.00% 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 dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Dividends 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.
Additional Information: Minimum to open Advantage Checking account online is $5. Workers Credit Union membership required. Subject to membership eligibility. Minimum balance to open membership account is $5. To have an Advantage Savings account, you must have an Advantage Checking account. Minimum balance to be maintained if utilized as a membership account is $5. Otherwise, no minimum deposit is required to open account. Other restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments including online banking, log-ins and other requirements may be necessary to meet qualifications. Monthly at least one Direct Deposit/ACH credit or ACH debit transaction, at least 15 debit card purchases, and enrollment in eStatements are conditions of these accounts. Limit of one Advantage checking account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you forfeit any rewards that have not been credited to your account. See account terms and conditions provided at account opening for additional information.
8Advantage High Interest Checking: 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 8/28/2025. When your Advantage High Interest Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your Advantage High Interest account earn a dividend rate of 4.41% resulting in an APY of 4.50%; and daily balances over $15,000 earn a dividend rate of 0.995% on the portion of the daily balance over $15,000, resulting in a range from 4.50% - 1.46% APY depending on the account's daily balance. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Advantage High Interest account and an assumed statement cycle of thirty-one (31) days. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Advantage High Interest account during that Monthly Qualification Cycle. NOTE: ATM fee reimbursements only apply to Advantage High Interest and Advantage Cash Back. Dividends and Nationwide ATM withdrawal fee reimbursements will be credited to your Advantage High Interest account on the last business day of the month. When your Advantage High Interest qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. 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.
Additional Information: Subject to membership eligibility. Minimum balance to open membership account is $5. Other restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments including online banking, log-ins and other requirements may be necessary to meet qualifications. No minimum deposit is required to open the account. Monthly at least one Direct Deposit/ACH credit or ACH debit transaction, at least 15 debit card purchases, and enrollment in eStatements are conditions of these accounts. Limit of one Advantage checking account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you forfeit any rewards that have not been credited. See account terms and conditions provided at account opening for additional information.
9Advantage Cash Back Checking: 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 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: When Advantage Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $300 in debit card purchases per cycle period. A maximum of $12 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Advantage High Interest account during that Monthly Qualification Cycle. NOTE: ATM fee reimbursements only apply to Advantage High Interest and Advantage Cash Back. Cash Back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Cash Back account on the last business day of the month. When account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Rates, and rewards, if any, 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.
Additional Information: Subject to membership eligibility. Minimum balance to open membership account is $5. Other restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments including online banking, log-ins and other requirements may be necessary to meet qualifications. No minimum deposit is required to open the account. Monthly at least one Direct Deposit/ACH credit or ACH debit transaction, at least 15 debit card purchases, and enrollment in eStatements are conditions of these accounts. Limit of one Advantage checking account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you will forfeit any rewards that have not been credited to your account. See account terms and conditions provided at account opening for additional information.
10Workers Money Market Checking: A minimum daily balance of $10,000 is required to avoid a maintenance service charge. See our fee schedule for specifics. Interest compounded daily and paid monthly. See your Truth In Savings for more information
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