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 3.94% 4.00%*
12 month 4.43% 4.50%*
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%*

*APY=Annual Percentage Yield. Subject to change . A withdrawal may reduce earnings. Subject to early withdrawal penalty..

Roth/Traditional IRA CDs & Coverdell Savings1

$500 minimum opening deposit

Term Rate APY*
6 month 3.94% 4.00%*
12 month 4.43% 4.50%*
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 Accumulation2 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) A regular monthly dividend will be paid on daily balances for the month.