Deposit Rates

As of February 1, 2016


Savings

Account Rate APY
Regular Savings 0.15% 0.15%
Kids Savings 0.15% 0.15%
Holiday/Vacation Savings 0.15% 0.15%
Health Savings (HSA) 0.10% 0.10%

Checking

Account Dividend Rate APY
Choice Checking n/a n/a
E-Checking n/a n/a
Interest Checking 0.10% 0.10%
Checking Plus1 0.10% 0.10%
Premium Checking1 0.15% 0.15%

Money Markets

$5,000 minimum opening deposit

Balance Dividend Rate APY
$5,000–9,999 0.20% 0.20%
$10,000–24,999 0.20% 0.20%
$25,000–49,999 0.25% 0.25%
$50,000–74,999 0.30% 0.30%
$75,000–99,999 0.35% 0.35%
$100,000 or more 0.40% 0.40%

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.

Balance Dividend Rate APY
$15,000 or more 0.40% 0.40%

Certificates of Deposit2

$1,000 minimum opening deposit

Term Rate APY
6 month 0.35% 0.35%
11 month 0.50% 0.50%
12 month 0.50% 0.50%
14 month 0.10% 0.10%3
18 month 0.55% 0.55%
24 month 0.75% 0.75%
36 month 1.00% 1.01%
48 month 1.20% 1.21%
60 month 1.55% 1.56%

Roth/Traditional IRA CDs & Coverdell Savings Accounts2

$500 minimum opening deposit

Term Rate APY
12 month 0.50% 0.50%
18 month 0.55% 0.55%
24 month 0.75% 0.75%
36 month 1.00% 1.01%
48 month 1.20% 1.21%
60 month 1.55% 1.56%
IRA Accumulation4 0.32% 0.32%

APY=Annual Percentage Yield. Rates subject to change. Fees may reduce earnings on accounts.
1. Checking Plus and Premium Checking are no longer offered.
2. Penalty imposed for early withdrawal.
3. No early withdrawal penalty applies after the initial seven-day period. The early withdrawal penalty for withdrawals during the initial seven-day period will be the forfeiture of 30 days interest, which may reduce your principal balance.
4. A regular monthly dividend will be paid on daily balances for the month.