Student Banking

¹All Accounts: Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Subject to membership eligibility. Rates subject to change at any time without notice unless otherwise noted. Rate may change after the account is opened. Offers may be withdrawn at any time. Annual Percentage Yield (APY) and rates are effective as of . Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly. See account disclosure and account terms and conditions provided at account opening for additional information.

²Advantage Starter Checking: Account transactions and activities may take one or more days to post and settle to account and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Advertised information and rewards are based on all account qualifications being met during each cycle period. If qualifications are not met, there may be fees which reduce earnings. See our Fee Schedule for specifics. See our website or contact us for specific Monthly Qualification Cycle dates, other cycle dates, restrictions, non-qualifying reward transactions, reward calculations, account details, processing limitations, and enrollment.

Reward Information: When Advantage Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive {{RatePlaceholder}} cash back on up to a total of $200 in debit card purchases per cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. When account qualifications are not met, no cash back payments are made. Rates, and rewards, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Subject to membership eligibility. Available to eligible members ages 13 through 24, subject to membership, account opening, joint owner or custodial requirements, and applicable by law. Minimum balance to open membership account is $5. Other restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments including online banking, log-ins and other requirements may be necessary to meet qualifications. No minimum deposit is required to open the account. Monthly at least 10 debit card purchases, and enrollment in eStatements are conditions of these accounts. Limit of one Advantage Starter Checking account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you will forfeit any rewards that have not been credited to your account. See account terms and conditions provided at account opening for additional information. Upon reaching age 25, the account will be automatically converted to the most comparable checking product then offered by the Credit Union. Based on the current product lineup, the account would be converted to an Advantage Cashback Checking account. The Credit Union reserves the right to convert the account to a different comparable product if its product offerings change.

³Advantage Savings: Account transactions and activities may take one or more days to post and settle to account and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Advertised information and rewards are based on all account qualifications being met during each cycle period. If qualifications are not met, there may be fees which may reduce earnings. See our Fee Schedule for specifics. See our website or contact us for specific Monthly Qualification Cycle dates, other cycle dates, restrictions, non-qualifying reward transactions, reward calculations, account details, processing limitations, and enrollment.

Reward Information: APY = Annual Percentage Yield. APYs accurate as of .When your linked Advantage High Interest or Advantage Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Advantage Savings account earn a dividend rate of {{RatePlaceHolder}} resulting in an APY of {{RatePlaceHolder}}; and daily balances over $100,000 earn a dividend rate of {{RatePlaceHolder}}on the portion of the daily balance over $100,000, resulting in a range from {{RatePlaceHolder}}APY depending on the account's daily balance. APY calculations are based on an assumed balance of $100,000+ $100,000 in your Advantage Savings account and an assumed statement cycle of thirty-one (31) days. NOTE: ATM fee reimbursements only apply to Advantage High Interest and Advantage Cash Back. When your linked Advantage High Interest or Advantage Cash Back account qualifications are not met, the entire daily balance in the Advantage Savings account earns a dividend rate of{{RatePlaceHolder}}resulting in an annual percentage yield of {{RatePlaceHolder}} APY. Dividends will be credited to your Advantage Savings account on the last business day of the month. Rates and rewards are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Minimum to open Advantage Checking account online is $5. Workers Credit Union membership required. Subject to membership eligibility. Minimum balance to open membership account is $5. To have an Advantage Savings account, you must have an Advantage Checking account. Minimum balance to be maintained if utilized as a membership account is $5. Otherwise, no minimum deposit is required to open account. Other restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments including online banking, log-ins and other requirements may be necessary to meet qualifications. Monthly at least one Direct Deposit/ACH credit or ACH debit transaction, at least 15 debit card purchases, and enrollment in eStatements are conditions of these accounts. Limit of one Advantage checking account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you forfeit any rewards that have not been credited to your account. See account terms and conditions provided at account opening for additional information.

⁴Early Pay Day: Preauthorized direct deposits received by Workers Credit Union (WCU) may be credited to your account up to one business day prior to the scheduled posting date. We may not always receive the information early and then would not be able to post your deposit early. WCU is not liable if we do not receive the preauthorized deposit or fail to deposit these funds to your account early. Always verify that the direct deposit has posted to your account. You are responsible for any overdraft fees from transactions clearing prior to any deposit.

⁵Debit RoudUp: Contact us to sign up.

⁶Credit Cards: Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

⁷Auto Loans: Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of 8/18/2021 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. Other rates and terms available. Annual Percentage Rate=APR.

⁸Student Loans: Rates subject to change at any time without notice unless otherwise noted. Offers may be withdrawn at any time. Subject to membership eligibility. Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Subject to credit qualification and annual credit review. Must meet school's Satisfactory Academic Progress (SAP) requirements. Approved schools subject to change without notice.

⁹Digital Banking: Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.