Our savings rates show there's strength in numbers.
You're looking to build momentum with your savings so you can take advantage of opportunities and respond to surprises. See how the rates on our savings accounts, money market accounts, and share certificates can propel your plans.
General Savings
For dividend period: April 01, 2025
Membership Savings
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
$5 minimum opening deposit |
0.40% | 0.40% |
Preferred Checking
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
No minimum balance to open or earn dividends |
0.10% | 0.10% |
Legacy Addsup Checking
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
Balance up to $15,000 |
2.00% | 2.02% |
Balance more than $15,000 |
0.40% | 0.40% |
If qualifications are not met |
0.10% | 0.10% |
Legacy Checking Accounts are accounts established at WESTconsin Credit Union prior to January 1, 2021. These accounts will no longer be available to open as new accounts after January 1, 2021
Business Checking
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
Earn dividends each day the balance is $500 and above |
0.10% | 0.10% |
Savings
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
No minimum balance to open or earn dividends |
0.40% | 0.40% |
Youth Savings
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
| Balance up too $2,500 | 2.25% | 2.27% |
| Balance more than $2,500 | 0.40% | 0.40% |
Christmas Club
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
No minimum balance to open or earn dividends |
0.40% | 0.40% |
Funeral Trust
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
No minimum balance to open or earn dividends |
0.40% | 0.40% |
HSA Checking
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
| $0 - $9,999.99 | 0.40% | 0.40% |
| $10,000 and more | 1.25% | 1.26% |
Money Market
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
| $0 - $9,999.99 | 0.40% | 0.40% |
| $10,000 - $24,999.99 | 1.25% | 1.26% |
| $25,000 - $49,999.99 | 1.50% | 1.51% |
| $50,000 - $99,999.99 | 1.75% | 1.76% |
| $100,000 and more | 1.90% | 1.92% |
No minimum balance to open.
Achieve Money Market
|
Balance
|
Dividend Rate
|
APY*
|
|---|---|---|
| $0 - $24,999.99 | 1.25% | 1.26% |
| $25,000 and more | 1.90% | 1.92% |
- $15 fee in any month if balance drops below $25,000.00
- $15 fee for each withdrawal over 3 each month
- $1,000 minimum withdrawal and deposit
Share Certificates and IRAs
|
Term
|
Compounded
|
Minimum Balance to Open & Earn APY
|
Basic MVP** Level Dividend Rate
|
Basic MVP** Level APY*
|
Silver MVP** Level Dividend Rate
|
Silver MVP** Level APY*
|
Gold MVP** Level Dividend Rate
|
Gold MVP** Level APY*
|
|---|---|---|---|---|---|---|---|---|
3 Month |
@Maturity |
$5,000.00 |
0.40% | 0.40% | 0.55% | 0.55% | 0.75% | 0.75% |
6 Month |
Monthly |
$1,000.00 |
2.00% | 2.02% | 2.15% | 2.17% | 2.35% | 2.38% |
12 Month |
Monthly |
$1,000.00 |
4.00% | 4.07% | 4.15% | 4.23% | 4.35% | 4.44% |
18 Month |
Monthly |
$1,000.00 |
3.05% | 3.09% | 3.20% | 3.25% | 3.40% | 3.45% |
24 Month |
Monthly |
$1,000.00 |
2.35% | 2.38% | 2.50% | 2.53% | 2.70% | 2.73% |
36 Month |
Monthly |
$1,000.00 |
2.45% | 2.48% | 2.60% | 2.63% | 2.80% | 2.84% |
36 Month Step Up |
Monthly |
$5,000.00 |
2.00% | 2.02% | 2.15% | 2.17% | 2.35% | 2.38% |
48 Month |
Monthly |
$1,000.00 |
2.55% | 2.58% | 2.70% | 2.73% | 2.90% | 2.94% |
60 Month |
Monthly |
$1,000.00 |
2.65% | 2.68% | 2.80% | 2.84% | 3.00% | 3.04% |
18 Month Fixed Rate IRA |
Monthly |
$500.00 |
3.05% | 3.09% | 3.20% | 3.25% | 3.40% | 3.45% |
60 Month Fixed Rate IRA |
Monthly |
$500.00 |
2.65% | 2.68% | 2.80% | 2.84% | 3.00% | 3.04% |
18 Month Variable Rate IRA |
Daily |
$50.00 |
4.70% | 4.81% | 4.70% | 4.81% | 4.70% | 4.81% |
12 Month Fixed Rate Health Savings |
Monthly |
$500.00 |
4.00% | 4.07% | 4.15% | 4.23% | 4.35% | 4.44% |
*APY = Annual Percentage Yield. Minimum deposit of $1,000 required ($500 if age 16 or younger). Dividends are calculated on a daily balance and credited and compounded monthly. Rates, terms and conditions are subject to change. Early withdrawals and service charges may reduce earnings. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information.
**Reach Membership Value Pricing (MVP) Level by maintaining an active WESTconsin Credit Union checking account with a minimum of five posted transactions per month (excluding dividend postings, fee assessments or reversals, and backup withholdings), and a minimum average monthly household loan and/or deposit balance of $15,000 for Silver MVP, and $30,000 or a current first mortgage loan with a balance through WESTconsin Credit Union for Gold MVP.
Annual Percentage Yields (APY)
Share Certificates and IRAs can be automatically renewed. Annual percentage yields (APYs) subject to change. Early withdrawal penalty: 90 days dividends on 3-12 month terms, 180 days on 18-24 month terms, 365 days on 36-60 month term, Health Savings Accounts and IRAs. Dividends are calculated on a daily balance, and credited and compounded monthly. Dividend rates and APYs may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings. Rates/APY subject to change.
Please contact us about fees, terms or for more information about any of these accounts.
WESTconsin Credit Union serves members in Wisconsin and in Minnesota. Find a location near you.
