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Kick It Up A Notch

You deserve more for your money, so Workers Credit Union strives to provide deposit account rates that catch your attention. Before you open an account, make sure you read through our disclosures and Fee Schedule.

Checking AccountsSavings and Money Market AccountsCertificate of Deposit Accounts (CDs)

Checking Accounts

Account TypeDividend RateAPYMinimum Daily for Interest
High Interest Checking11.74%1.75%$0-$25,000
0.40%0.40%$25,000.01 or more
        > Earned if requirements are not met0.10%0.10%$0
Simple Checking0.00%0.00%
Free Checking0.00%0.00%

$5 minimum balance required to open. See full disclaimer at the bottom of this page.

1To earn High Interest Checking rates you must do these three things: 12 debit transactions, have an eStatement and one Direct Deposit or ACH per statement cycle. The 1.75% Annual Percentage Yield (APY) applies to the first $25,000. Balances over $25,000 earn an APY of 0.40%. When monthly requirements are not met each monthly statement cycle, the base rate of 0.10% APY will apply to the entire balance for the statement cycle.

 

Savings and Money Market Accounts

Account TypeDividend RateAPYMinimum Daily for Interest
cuSave - Online Savings11.00%1.01%$50
        >Earned if requirements are not met0.10%0.10%$50
Share Savings (statement / passbook)0.10%0.10%$50
IRA Savings0.10%0.10%$50
Club Account0.10%0.10%$5
Student Savings0.75%0.75%$25
Personal Money Market Accounts (statement)0.20%0.20%$50 - $9,999.99
0.25%0.25%$10,000 - $49,999.99
0.30%0.30%$50,000 or more
Big Picture Super Savings20.10%0.10%$50 - $999.99
0.30%0.30%$1,000 - $49,999.99
0.40%0.40%$50,000 or more
Workers Money Market Checking0.00%0.00%$0 - $49.99
0.40%0.40%$50.00 - $9,999.99
0.90%0.90%$10,000 - $25,000
1.00%1.01%$25,000.01 - $100,000
1.10%1.11%$100,000.01 or more

$50 minimum balance required to open except Clubs require $5; Money Markets require $1,000 to open. See full disclaimer at the bottom of this page.

1$500.00 minimum to open, to earn the higher interest rate for the cuSave online savings you must signup and maintain eStatements and a minimum daily balance of $50.00. If requirement is not met each monthly statement cycle the base rate of 0.10% APY will apply to the entire balance of the statement cycle.

2Big Picture Checking Account required Personal accounts only.

 

Certificate of Deposit Accounts (CDs)

To open a Certificate of Deposit (CD), you must have a Workers’ membership savings account.

13-Month CD Special

 Tier 1
$500 - $24,999.99
 Tier II
$25,000 or more
 
CD TermRateAPYRateAPY
13-Month2.50%2.53%2.50%2.53%

CD Special of 2.53% Annual Percentage Yield (APY). Term is 13 months. Effective 11/30/2018. CDs require $500 minimum balance to open and IRA Certificates require $1,000 minimum balance to open. Applicable for new money only. Penalty for early withdrawal may apply. Please refer to your CD account disclosure for more information. See full disclaimer at the bottom of this page.

CD Rates

 Tier 1
$500 - $24,999.99
Tier II
$25,000 or more
CD TermRateAPY*RateAPY*
3-Month1,20.85%0.85%0.95%0.95%
6-Month11.65%1.65%1.75%1.75%
12-Month2.00%2.02%2.10%2.12%
18-Month2.10%2.12%2.20%2.22%
24-Month2.20%2.22%2.30%2.33%
36-Month2.30%2.33%2.40%2.43%
48-Month2.40%2.43%2.50%2.53%
60-Month2.50%2.53%2.60%2.63%
72-Month2.50%2.53%2.60%2.63%

CDs require $500 minimum balance to open and IRA Certificates require $1,000 minimum balance to open. Penalty for early withdrawal may apply. See full disclaimer at the bottom of this page.
1Simple interest paid at maturity.
2Available only for CDs, not available for IRA Certificates.

Disclaimer

Subject to approval. Rates subject to change without notice unless otherwise noted.

Annual Percentage Yield (APY)

Offers may be withdrawn at any time.

Workers Credit Union membership required. Membership established by opening a $5 membership savings account.

Interest compounded daily and paid monthly. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings. Please see our Fee Schedule for specifics.

Information on bank national rate averages can be found here. (The deposit rates of credit unions are not included in the calculation.)

More for your money

As a member of Workers, you are enrolled in our GiveBack program automatically. Don't believe us, see how much you could earn each year. Plus, enjoy access to valuable member resources and programs.