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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
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
cuSave - Online Savings10.50%0.50%$50
        >Earned if requirements are not met0.10%0.10%$50
Personal Money Market Accounts (statement)20.20%0.20%$50 - $9,999.99
0.25%0.25%$10,000 - $49,999.99
0.30%0.30%$50,000 or more
Workers Money Market Checking20.40%0.40%$50 - $9,999.99
0.40%0.40%$10,000 - $24.999.99
0.50%0.50%$25,000 - $99,999.99
0.60%0.60%$100,000 or more
SaveUp Savings3,44.75%4.86%$0 - $499.99
4.75%4.86%$500 - $999.99
0.10%4.86% - 2.48%$1,000 - $1,999.99
0.15%2.48% - 1.70%$2,000 - $2,999.99
0.20%1.70% - 1.10%$3,000 - $4,999.99
0.05%1.10% - 0.80%$5,000 - $6,999.99
0.15%0.80% - 0.61%$7,000 - $9,999.99
0.40%0.61% - 0.56%$10,000 - $12,999.99
0.70%0.56% - 0.59%$13,000 - $16,999.99
0.95%0.59% - 0.66%$17,000 - $20,999.99
1.05%0.66% - 0.72%$21,000 - $24,999.99
1.15%0.72% - 0.80%$25,000 - $29,999.99
1.25%0.80% - 0.91%$30,000 - $39,999.99
1.27%0.91% - 0.99%$40,000 - $49,999.99
1.30%0.99% - 1.09%$50,000 - $74,999.99
1.32%1.09% - 1.15%$75,000 - $99,999.99
1.34%1.15% - 1.27%$100,000 - $249,999.99
1.36%1.27% - 1.34%$250,000 - $999,999.99
1.38%1.34% - 1.37%4$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 March 23, 2020.

1cuSave Online Savings can be opened online or in a branch with a minimum of $500. To earn 0.50% 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 0.10% 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.
4 This 1.60% – 1.63% 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 March 23, 2020.

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-Month4,60.50%0.50%0.60%0.60%
6-Month40.65%0.65%0.75%0.75%
12-Month10.80%0.80%0.90%0.90%
18-Month10.90%0.90%1.00%1.01%
24-Month11.00%1.01%1.10%1.11%
36-Month11.15%1.16%1.25%1.26%
48-Month11.25%1.26%1.35%1.36%
60-Month11.30%1.31%1.40%1.41%

 Open a New CD Account


*See full disclaimer at the bottom of this page. Annual Percentage Yield (APY) and rates are effective as of March 23, 2020.

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.

 Download Rates  PDF Icon 

Disclaimer

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

Offers may be withdrawn at any time.

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

Annual Percentage Yield (APY) and rates are effective as of March 23, 2020.

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.