Savings Accounts

Financial wellness starts with savings. Start small and grow your savings or build on what you already have.

Share Savings

Open as your basic membership account or add as a secondary account.

Open Now Learn More
  • Earn up to 0.05% APY1
  • Membership account
  • Minimum $5 to open
  • Minimum $50 balance to earn APY

SaveUp Savings

Are you down to SaveUp? Save more with high rates and small, attainable tiers.

Open Now Learn More
  • Earn our highest rates immediately1,2
  • Deposit $50 or more per month and earn an even higher rate
  • Minimum $5 to open
  • Membership account

Club Savings

Save now, enjoy later with our Holiday and Vacation Club accounts.

Contact Us Learn More
  • Earn 0.10% APY1,3
  • Minimum $5 to open and earn
  • Pay out on 10/1 for Holiday Club and 5/1 for Vacation Club
  • Penalties apply for early withdrawal

All Workers savings accounts give you:

ATM Card

Call us to order your card or stop by a branch to get one instantly.4

CO-OP Shared Branching

Access thousands of surcharge-free ATMs4 and a shared branch network nationwide.

Online and Mobile Banking

View accounts, move money, pay bills, deposit checks and sign-up for e-statements.5

Early Pay Day

Get your paycheck up to a day early when you use direct deposit.
Card Security

Even Safer Transactions

Use the CardValet® app to manage your card security and contact us to register your debit card for Mastercard SecureCode, a security PIN to make purchasing online with your card even safer.

Looking for Retirement Planning or College Savings?

Aside from an everyday savings account, there are many ways to plan and save. For example, if you're planning for retirement, explore a traditional Workers IRA. Or you can talk to a CFS Financial Advisor who can help you plan for the future.

Financial Wellness Starts with a Great Savings Plan

Build an emergency fund or watch your money grow as you crush your savings goals. Whatever life stage you’re in, a Workers WayTM Financial coach will help you achieve your dreams. No judgement, no jargon, just getting on track to financial wellness.

1All Accounts: 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 Offers may be withdrawn at any time.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. $5 will be held in account until the account is terminated, at which time it will be returned to the account owner. Annual Percentage Yield (APY) and rates are effective as of 9/9/2021. Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly.

2SaveUp Account: The minimum balance required to open this account is $5. You must maintain a minimum daily balance of $5 in your account each day to obtain the disclosed annual percentage yields as per our disclosed rates. See rates page for the breakdown of tiers, rates and minimum balance to earn dividend requirements.

Note: As of June 1, 2021, In 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 able 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 receive the higher APY.

Further, 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.

The highest APY range listed assumes a deposit of $3,000,000 for illustration purposes only. There is no maximum deposit amount. There is a limit of one (1) SaveUp account per member as a primary owner.

3Club Savings Account: Holiday Club accounts will disburse the balance in the account plus dividends earned into either your Workers savings account or checking account that is linked to this account on October 1st of the respective year, while the Vacation Club will disburse on May 1st of the respective year. If you withdraw the funds from your respective club account prior to its disbursement date as noted above, you will not receive the dividends earned.

4All Accounts: Other institutions may impose a surcharge for use of their ATMs.

5All Accounts: Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.