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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 Account Rates

Account TypeDividend RateAPYMinimum Daily for Interest
High Interest Checking41.74%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%

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. Workers’ Credit Union membership required.
1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.
2. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings. Please see our “Fee Schedule” for specifics.
3. $5 minimum balance required to open.
4. To 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.
*Information on bank national rate averages can be found here. The deposit rates of credit unions are not included in the calculation.

Savings and Money Market Accounts

Account TypeDividend RateAPYMinimum Daily for Interest
cuSave - Online Savings51.00%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 Savings40.10%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

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. A Workers’ Credit Union membership is required.
1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.
2. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings. Please see our “Fee Schedule” for specifics.
3. $5 minimum balance required to open except: Clubs require $5; Money Markets require $1,000 to open.
4. Big Picture Checking Account required Personal accounts only.
5. $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.

Certificate of Deposit (CDs) Rates

To open a Certificate of Deposit or CD, you must have a Workers’ checking account with at least one monthly direct deposit of pay or Social Security.

 Tier 1
$500 - $24,999.99
Tier II
$25,000 or more
CD TermRateAPY*RateAPY*
3-Month4,60.85%0.85%0.95%0.95%
6-Month41.05%1.05%1.15%1.15%
12-Month11.20%1.21%1.31%1.31%
18-Month11.40%1.41%1.50%1.51%
24-Month11.60%1.61%1.70%1.71%
36-Month11.75%1.77%1.85%1.87%
48-Month11.90%1.92%2.00%2.02%
60-Month11.88%1.90%1.98%2.00%
72-Month12.18%2.20%2.27%2.30%

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. Workers’ Credit Union membership required.
*Annual Percentage Yield (APY).
** To Qualify for CD rates, you must have a Workers’ checking account with at least one monthly direct deposit of pay or Social Security.
1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.
2. Penalty for early withdrawal may apply.
3. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings. Please see our “Fee Schedule” for specifics.
4. Simple interest paid at maturity.
5. CDs require $500 minimum balance to open and IRA Certificates require $1,000 minimum balance to open.
6. Available only for CDs, not available for IRA Certificates.

Flex Rate CDs1,2

Flex Rate CDs1,2RateAPY
6 Month Flex Rate CD31.90%1.90%
12 Month Flex Rate CD12.10%2.12%
24 Month Flex Rate CD12.30%2.33%
36 Month Flex Rate CD12.50%2.53%
48 Month Flex Rate CD12.75%2.79%


1. CDs require $500 minimum balance to open and IRA Certificates require $1,000 minimum balance to open.
2. Current Floor Rate on Flex Rate CDs are: 6-Month: 1.40%, 12-Month: 1.60%, 24-Month: 1.80%, 36-Month: 2.00%, 48-Month: 2.25%.
3. Simple interest paid at maturity.

 

Checking Account Tools

Disclaimer

Subject to approval, interest rates may change at any time.

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