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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.

Savings and Money Market AccountsChecking AccountsCertificate of Deposit Accounts (CDs)

 

Savings and Money Market Accounts*

Account TypeDividend RateAPY*Minimum Daily for Interest
Statement Share Savings0.05%0.05%$50
IRA Savings0.05%0.05%$50
Club Account0.10%0.10%$5
cuSave - Online Savings10.50%0.50%$50
        >Earned if requirements are not met0.10%0.10%$50
Personal Money Market Accounts20.05%0.05%$50 - $9,999.99
0.10%0.10%$10,000 - $49,999.99
0.20%0.20%$50,000 or more
Workers Money Market Checking20.25%0.25%$50 - $9,999.99
0.25%0.25%$10,000 - $24.999.99
0.30%0.30%$25,000 - $99,999.99
0.40%0.40%$100,000 or more

Account TypeBase RateBase
APY*
Rate with $50+
Monthly Deposit4
APY* with $50+
Monthly Deposit4
Minimum Daily for Interest
SaveUp Savings & Business SaveUp Savings3,44.23%4.32%4.28%4.37%$0 - $499.99
4.23%4.32%4.28%4.37%$500 - $999.99
0.30%4.32-2.31%0.35%4.37-2.36%$1,000 - $1,999.99
0.35%2.31%-1.66%0.40%2.36-1.71%$2,000 - $2,999.99
0.40%1.66%-1.15%0.45%1.71-1.21%$3,000 - $4,999.99
0.45%1.15%-0.95%0.50%1.21-1.00%$5,000 - $6,999.99
0.50%0.95%-0.82%0.55%1.00-0.87%$7,000 - $9,999.99
0.55%0.82%-0.76%0.60%0.87-0.81%$10,000 - $12,999.99
0.60%
0.76%-0.72%0.65%0.81-0.77%$13,000 - $16,999.99
0.65%0.72%-0.71%0.70%0.77-0.76%$17,000 - $20,999.99
0.70%0.71%-0.71%
0.75%0.76-0.76%$21,000 - $24,999.99
0.75%
0.71%-0.71%
0.80%0.76-0.76%$25,000 - $29,999.99
0.80%
0.71%-0.74%
0.85%0.76-0.79%$30,000 - $39,999.99
0.85%
0.74%-0.76%0.90%0.79-0.81%$40,000 - $49,999.99
0.90%
0.76%-0.81%
0.95%0.81-0.86%$50,000 - $74,999.99
0.95%
0.81%-0.84%
1.00%0.86-0.89%$75,000 - $99,999.99
1.00%
0.84%-0.94%
1.05%0.89-0.99%$100,000 - $249,999.99
1.00%
0.94%-0.99%
1.05%0.99-1.04%$250,000 - $999,999.99
1.00%
0.99%-1.00%51.05%1.04-1.05%5$1,000,000 or more

 Open a New Savings Account


*See full disclaimer at the bottom of this page. Annual Percentage Yield (APY) and rates are effective as of July 1, 2021.

1cuSave Online Savings can be opened online or in a branch with a minimum of $500. To earn 0.10% APY for the cuSave online savings you must signup and maintain eStatements and maintain a minimum daily balance of $50. If eStatement requirement is not met in a monthly statement cycle a base rate of 0.05% APY will apply to the entire balance of the statement cycle.
2 Minimum to open a Money Market account is $1,000.
3 Minimum to open a SaveUp account is $5. There is a limit of one (1) SaveUp account per member as a primary owner.
4In order to receive the higher APY listed you must have a direct deposit(s) and/or monthly deposit(s) that include internal transfers, external transfers or deposits that aggregate to at least $50 in the statement period which will allow you to be eligible to earn a higher annual percentage yield (APY) on each applicable tier. If you do not make the $50 deposit as noted, you will earn the base APY for that month. The $50 deposit must post prior to the end of the statement cycle to earn the higher APY for that month. Initial account deposits and wires are not eligible to receive the higher APY. In addition to meeting the requirement as listed above to earn the higher APY rate, the account must be open for the entire statement period, otherwise, the base rate will be applied to the entire balance for the number of days in which the account was opened during the month.
5 This APY range assumes a deposit of $3,000,000 for illustration purposes only. There is no maximum deposit amount.

Checking Accounts*

Account TypeDividend RateAPY*Minimum Daily Balance for Interest
High Interest Checking1,21.25%1.26%$0-$15,000
0.40%1.26%-0.66%$15,000.01 or more
        > Earned if requirements are not met0.05%0.05%$0
Simple Checking0.00%0.00%
Free Checking0.00%0.00%

 Open a New Checking Account


*See full disclaimer at the bottom of this page. Annual Percentage Yield (APY) and rates are effective as of July 1, 2021.

1 Minimum to open a High Interest Checking account is $5. To earn these rates, you must meet the following monthly requirements per each statement cycle: 1) Have 12 POS debit card purchase transactions post to your account, 2) Enroll and receive an eStatement, and, 3) Have one Direct Deposit or ACH auto debit.
The APY rate of 1.26% only applies to the first $0-$15,000. Balances of  $15,000.01 or more earn an interest rate of 0.40%, with an APY range for the entire balance of 1.26%-0.66%. This APY range assumes a deposit of $50,000 for illustration purposes only.

2 When monthly requirements are not met within a monthly statement cycle, the base rate of 0.05% APY will apply to the entire balance for the statement cycle. There is no minimum balance to earn this APY.

 

Certificate of Deposit Accounts (CDs)*2,3,5,7

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

 Tier 1
$500 - $24,999.99
Tier II
$25,000 or more
CD TermRateAPY*RateAPY*
3-Month4,60.20%0.20%0.25%0.25%
6-Month40.35%0.35%0.40%0.40%
12-Month10.40%0.40%0.45%0.45%
18-Month10.45%0.45%0.50%0.50%
24-Month10.50%0.50%0.55%0.55%
36-Month10.60%0.60%0.65%0.65%
48-Month10.70%0.70%0.75%0.75%
60-Month10.80%0.80%0.85%0.85%

 Open a New CD Account


*See full disclaimer at the bottom of this page. Annual Percentage Yield (APY) and rates are effective as of July 1, 2021.

1 Interest compounded daily and paid monthly.

2 Substantial penalty for early withdrawal may apply.

3 APY assumes interest remains on deposit and any withdrawal will reduce earnings.

4 Simple interest paid at maturity.

5 Minimum balance is $500 to open CDs and $1,000 to open IRA Certificates.

6 Available only for CDs, not available for IRA Certificates.

7 Please refer to your CD account disclosure for more information.

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Disclaimer

Rates subject to change at any time without notice unless otherwise noted.

Offers may be withdrawn at any time.

Workers Federal Credit Union membership required; minimum balance to open is $5, unless otherwise noted. Subject to membership eligibility.

Annual Percentage Yield (APY) and rates are effective as of July 1, 2021.

Fees may reduce earnings. See our fee schedule for specifics.

Interest compounded daily and paid monthly.

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.