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¹Rates 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 Offers may be withdrawn at any time. Subject to membership eligibility. Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Annual Percentage Yield (APY) and rates are effective as of 4/30/2025. 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. 

²To earn these rates, you must meet the following monthly requirements per each statement cycle: 1) Have 12 point of sale debit card transactions post to your account, 2) Enroll and receive eStatements, and, 3) Have one direct deposit or ACH auto debit. The APY rate of 2.25% 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 2.25%-0.96% .This APY range assumes a deposit of $50,000 for illustration purposes only. 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. Further, in addition to meeting the requirements listed above to earn the higher first and second tier APY rates and to receive up to $10 in ATM fee reimbursements, 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, and you will not receive the ATM fee reimbursement.

³The first instant issue card is free but there is a fee for any additional or replacement cards. Please see our fee schedule for details. Other institutions may impose a surcharge for use of their ATMs.