Deposit Rates

As of  

Savings

Account Rate APY* Min. Balance**
Regular Savings 0.05% 0.05%* $100
Kids Savings 0.05% 0.05%* $0
Holiday/Vacation Savings 0.05% 0.05%* $25
Health Savings (HSA) 0.05% 0.05%* $0

*APY=Annual Percentage Yield. Subject to change . A withdrawal may reduce earnings.
**Min. Balance=Minimum daily balance required to earn APY.


Checking

Account Rate APY* Min. Balance**
Free Checking N/A N/A N/A
Interest Checking 0.05% 0.05%* $0
Fresh Start Checking N/A N/A N/A

*APY=Annual Percentage Yield. Subject to change . A withdrawal may reduce earnings.
**Min. Balance=Minimum daily balance required to earn APY.


Money Market

$1,000 minimum opening deposit

Rate APY* Min. Balance**
0.50% 0.50%* $1,000-4,999
0.50% 0.50%* $5,000-9,999
0.60% 0.60%* $10,000-24,999
1.00% 1.00%* $25,000-49,999
1.49% 1.50%* $50,000-74,999
1.74% 1.75%* $75,000-99,999
1.98% 2.00%* $100,000 - 249,999
2.23% 2.25% $250,000 or more

*APY=Annual Percentage Yield. Subject to change. A withdrawal may reduce earnings.
**Min. Balance=Minimum daily balance required to earn APY.


Money Market Plus

$15,000 minimum opening deposit. You must maintain a $1,500 aggregate average daily balance in a West Community checking account or a monthly $10 fee will apply.

Rate APY* Min. Balance**
1.75% 1.76%* $15,000-49,999
1.98% 2.00%* $50,000-99,999
2.23% 2.25%* $100,000-249,999
2.48% 2.50%* $250,000 or more

*APY=Annual Percentage Yield. Subject to change . A withdrawal may reduce earnings.
**Min. Balance=Minimum daily balance required to earn APY.


Certificates of Deposit

$500 minimum opening deposit

Term Rate APY*
6 month 4.43% 4.50%*
11 month special1 5.00% 5.10%*
12 month 4.91% 5.00%*
18 month 3.00% 3.02%*
14 month early withdrawal special2 3.94% 4.00%*
24 month 3.25% 3.28%*
36 month 3.25% 3.28%*
48 month 3.35% 3.38%*
60 month 3.40% 3.43%*

*APY=Annual Percentage Yield. Subject to change. A withdrawal may reduce earnings.
**Min. Balance=Minimum daily balance required to earn APY.
1) Early withdrawal penalties apply. Upon maturity, funds and interest earned will automatically renew to a 12 month term unless otherwise notified. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union.
2) Upon maturity, 14 month certificate special funds and interest earned will automatically renew to a 12 month term unless otherwise notified. Withdraw all funds in the account any time after the first six days following funding of the account with no early withdrawal penalty. Early withdrawal is not permitted during the first six days after funding. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union. 


Roth/Traditional IRA CDs & Coverdell Savings1

$500 minimum opening deposit

Term Rate APY*
6 month 4.43% 4.50%*
11 month special2 5.00% 5.10%*
12 month 4.91% 5.00%*
18 month 3.00% 3.02%*
24 month 3.25% 3.28%*
36 month 3.25% 3.28%*
48 month 3.35% 3.38%*
60 month 3.40% 3.43%*
IRA Accumulation3 0.25% 0.25%*

*APY=Annual Percentage Yield. Subject to change . A withdrawal may reduce earnings. Subject to early withdrawal penalty.
1) Penalty imposed for early withdrawal.
2) Early withdrawal penalties apply. Upon maturity, funds and interest earned will automatically renew to a 12 month term unless otherwise notified. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union
3) A regular monthly dividend will be paid on daily balances for the month.