BANKING ON YOU TM

Deposit Rates

As of Tuesday, May 1, 2018


Savings

Account Rate APY Minimum Daily Balance to Earn APY
Regular Savings 0.15%* 0.15%* $100
Kids Savings 0.15%* 0.15%* $0
Holiday/Vacation Savings 0.15%* 0.15%* $25
Health Savings (HSA) 0.10%* 0.10%* $0
*APY=Annual Percentage Yield. Rates subject to change after account opening. Fees may reduce earnings on accounts.

Checking

Account Dividend Rate APY Minimum Opening Deposit
Choice Checking n/a n/a $25
E-Checking n/a n/a $25
Interest Checking 0.10%* 0.10%* $25
Checking Plus1 0.10%* 0.10%* N/A
Premium Checking1 0.15%* 0.15%* N/A
*APY=Annual Percentage Yield. Rates subject to change after account opening. Fees may reduce earnings on accounts.

Money Markets

$5,000 minimum opening deposit

Balance Dividend Rate APY
$2,500-4,999 0.20%* 0.20%*
$5,000-9,999 0.25%* 0.25%*
$10,000-24,999 0.30%* 0.30%*
$25,000-49,999 0.35%* 0.35%*
$50,000-74,999 0.40%* 0.40%*
$75,000-99,999 0.45%* 0.45%*
$100,000 or more 0.55%* 0.55%*

*APY=Annual Percentage Yield. Rates subject to change after account opening. Fees may reduce earnings on accounts.

 


Money Market Plus

$15,000 minimum opening deposit. You must maintain a $1,500 aggregate average daily balance in a West Community checking account or a monthly $10 fee will apply.

Balance Dividend Rate APY
$15,000 or more 0.40%* 0.40%*
*APY=Annual Percentage Yield. Rates subject to change after account opening. Fees may reduce earnings on accounts.

Certificates of Deposit2

$500 minimum opening deposit

Term Rate APY
6 month 0.80%* 0.80%*
12month 1.00%* 1.00%*3
18 month 1.25%* 1.26%*
19 month Special** 2.00%* 2.02%*
24 month 1.50%* 1.51%*
36 month 1.75%* 1.76%*
39 month Special** 2.50%* 2.52%*
48 month 2.00%* 2.02%*
60 month 2.25%* 2.27%*
*APY=Annual Percentage Yield. Rates subject to change after account opening. Fees may reduce earnings on accounts.  
**Offers require 100% of funds as new funds not currently on deposit with West Community Credit Union. 19 month certificate special will renew at an 18 month term upon maturity. 39 month certificate special will renew at a 36 month term upon maturity. Early withdrawal penalties apply. 

Roth/Traditional IRA CDs & Coverdell Savings Accounts2

$500 minimum opening deposit

Term Rate APY
12 month 1.00%* 1.00%*
18 month 1.25%* 1.26%*
24 month 1.50%* 1.51%*
36 month 1.75%* 1.76%*
48 month 2.00%* 2.02%*
60 month 2.25%* 2.27%*
IRA Accumulation3 0.50%* 0.50%*

*APY=Annual Percentage Yield. Rates subject to change after account opening. Fees may reduce earnings on accounts.
1. Checking Plus and Premium Checking are no longer offered.
2. Penalty imposed for early withdrawal.
3. A regular monthly dividend will be paid on daily balances for the month.