Student Banking Get the Workers Advantage

¹All Accounts: Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Subject to membership eligibility. 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 Offers may be withdrawn at any time. Annual Percentage Yield (APY) and rates are effective as of  . Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly. See account disclosure and account terms and conditions provided at account opening for additional information.

²Advantage 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.

Advantage 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.

⁴Early 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.

⁵Debit RoudUp: Contact us to sign up.

⁶Credit Cards: Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

⁷Auto Loans: Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of 8/18/2021 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. Other rates and terms available. Annual Percentage Rate=APR.

⁸Student Loans: Rates subject to change at any time without notice unless otherwise noted. 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. Subject to credit qualification and annual credit review. Must meet school's Satisfactory Academic Progress (SAP) requirements. Approved schools subject to change without notice.

⁹Digital Banking: Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.