Save

Accounts to reach your goals

Savings accounts made simple

Find the right account for you

Regular Savings account pays monthly dividends

Regular Savings

Our Regular Savings account pays monthly dividends based on your average daily balance and is the key to your WCCU membership.

Your Share Savings Account may open with an initial minimum deposit of $25 that must always be maintained during your membership.  Once you open your Share Savings, you have access to all the other great products and services that WCCU has to offer.

Share Savings Account pays monthly dividends posted on the last working day of the month.
We believe that it’s important to start saving habits early in life.

Youth Savings

We believe that it’s important to start saving habits early in life. Our Youth Savings Accounts are designed to do just that.

A special savings account, Youth Club Account, is designed for children age 0-12 and only requires a $25 minimum balance.

Our Student Club Account is a special account for our members age 13-17, which also requires only a $25 minimum deposit.

Our Holiday and Vacation Club accounts are set up to help you budget

Club Account

Our Holiday and Vacation Club accounts are set up to help you budget for holiday and vacation expenses. Monthly dividends included.

You will find these accounts to be valuable budgeting tools! Dividends are paid monthly based on the average daily balance.

At WCCU it’s easy to save all year long. To manage your finances, designate a monthly transfer amount to go into a holiday or vacation account.

Designate a Savings
Designate Accounts
You control your savings account and designate funds for what matters to you.

Long term savings accounts

Explore our best accounts for the long run

Certificate of Deposit
Certificate of Deposit
Lock in a higher interest rate for a specific length of time. Safe and insured.
The Money Fund is an account that offers a higher earning capacity

Money Fund

The Money Fund is an account that offers a higher earning capacity than a regular savings, yet still provides the same flexibility.
Our flexible Individual Retirement Account comes in several varieties.

IRA’s

Our flexible Individual Retirement Account comes in several varieties. Choose from Saving, Certificates of Deposit, Roth, and Education.

Calculate your savings

Single Deposits
Multiple Deposits
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Enter the Deposit Amount:
Enter the Annual Interest Rate:
Enter the Number of Years:
Total / Interest
Total
Interest
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Terms & Conditions Apply All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authoritative or legally binding. You are advised to check with our offices for up-to-date rates and offers.
Calculate Now
Enter the Initial Investment (optional):
Enter the Monthly Addition:
Enter the Annual Interest Rate:
Enter the Number of Years:
Total / Interest
Total
Interest
Apply Now
Terms & Conditions Apply All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authoritative or legally binding. You are advised to check with our offices for up-to-date rates and offers.

Frequent Questions

WCCU has to limit the number of withdrawals from a non-checking account without a signature because of a federal regulation named Reg D.

You may have up to six withdrawals or transfers in each savings, holiday or vacation club account per month.

This includes:

  • Online banking
  • Mobile banking
  • Telephone banking
  • Overdraft transfer from savings
  • Phone requests
  • Automated clearing house (ACH)
  • Check card transactions

Regulation D limitations do not include the transactions that are:

  • Completed in person
  • Signed transfers by mail
  • Transfers to a WCCU loan
  • Signed night drop requests
  • Requests for a WCCU official check payable to you

Yes, in fact we encourage it! You can open additional savings accounts to help with budgeting. Splitting your direct deposit and setting up automated transfers to named accounts is a simple way to save money, since you don’t have to think about it.

At WCCU you can name each account to designate your saving goals. Ideas: Down payment for a car; new washer and dryer; European vacation; Disneyland; boat; whatever you want. Once you reach that short-term goal, change the name of the account for the next goal!

Yes, you may name your savings accounts for whatever you want. Then once that goal is met, you may change the name again, and again!