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| Account Type | APY | Minimum to Open |
|---|---|---|
| Membership Savings | .25% | $5 |
| Special Savings | .25% | NA |
| Smart Savers* (Account balances up to $4,999.99) | 1.51% | NA |
| Smart Savers* (Account balances $5,000 and above**) | .25% | NA |
| WE Care Savings (Account balances up to $4,999.99) | 1.51% | NA |
| WE Care Savings (Account balances $5,000 and above**) | .25% | NA |
| IRA | .50% | NA |
| Money Market*** | 1.50% | $2,500 |
APY = Annual Percentage Yield. Rates and offers are current as of December 1, 2023, and are subject to change without notice. All Deposit Accounts: Non-certificate account rates may change after account opening. Fees or other conditions may reduce the earnings.
* Children under 18
** Account balances over $4,999.99 will receive the base savings rate.
*** Minimum daily balance to earn stated APY is $2,500.
| Term | APY | $100,000+ |
|---|---|---|
| 3 MONTH | 2.95% | 3.06% |
| 6 MONTH | 4.20% | 4.30% |
| 12 MONTH | 3.95% | 4.05% |
| 24 MONTH | 3.50% | 3.60% |
| 30 MONTH | 3.40% | 3.50% |
| 36 MONTH | 3.15% | 3.25% |
| 48 MONTH | 3.15% | 3.25% |
| 60 MONTH | 3.15% | 3.25% |
APY = Annual Percentage Yield. Certificate= Certificate Account. APY will vary based on the daily balance maintained. Rates and offers are current as of April 7, 2025, and are subject to change without notice. Minimum $1,000 deposit required. Early withdrawal penalties apply.
For Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
For Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
- Terms of 12 Months or less 1% of amount being withdrawn
- Terms of greater than 12 Months 3% of amount being withdrawn
For IRA Certificate Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
- Terms of 12 Months or less 1% of amount being withdrawn
- Terms of greater than 12 Months 3% of amount being withdrawn.
- Terms of 12 Months or less 1% of amount being withdrawn
- Terms of greater than 12 Months 3% of amount being withdrawn.
| Deposit Balance | Rate | Tiered Levels | APY |
|---|---|---|---|
| $25,000 up to $49,999 | 1.49% | $25,000-$49,999 | 1.50% |
| $50,000 up to $99,999 | 1.98% | $25,000-$49,999 $50,000-$99,999 |
1.50% 2.00% |
| $100,000 up to $249,999 | 2.47% | $25,000-49,999 $50,000-$99,999 $100,000-$249,999 |
1.50% 2.00% 2.50% |
| $250,000 and greater | 2.96% | $25,000-$49,999 $50,000-$99,999 $100,000-$249,999 $250,000 and greater |
1.50% 2.00% 2.50% 3.00% |
APY = Annual Percentage Yield. Rates and offers are current as of September 14, 2023, and are subject to change without notice.
| Term | APY |
|---|---|
| 12 MONTH | 3.95% |
| 24 MONTH | 3.50% |
| 30 MONTH | 3.40% |
| 36 MONTH | 3.15% |
| 48 MONTH | 3.15% |
| 60 MONTH | 3.15% |
DISCLOSURES:
APY = Annual Percentage Yield. Rates and offers are current as of April 7, 2025 and are subject to change without notice. To receive any advertised product, you must become a member of WEOKIE Federal Credit Union.
All Deposit Accounts: Non-certificate account rates may change after account opening. Fees or other conditions may reduce the earnings.
Certificate Accounts: Minimum $1,000 deposit is required. A penalty will be imposed for early withdrawal.
| Deposit Balance | Rate | APY* |
|---|---|---|
| $100,000 up to $499,999 | 2.85% | 2.89% |
| $500,000 up to $999,999 | 2.87% | 2.91% |
| $1,000,000 up to $4,999,999 | 2.90% | 2.94% |
| $5,000,000 up to $9,999,999 | 2.90% | 2.94% |
| $10,000,000+ | .50% | .50% |
*APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for the annual period. For this account, the Interest Rate and Annual Percentage Yield may change at any time as determined by the Credit Union. If the minimum daily balance of $100,000 is not met, you will not earn the stated Annual Percentage Yield. We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day. Rates are valid as of September 14, 2023 and subject to change without notice. The minimum balance required to open this account is $100,000. Membership eligibility is required. Federally Insured by NCUA. See https://www.weokie.org/commercial-policies for additional information.
For Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
- Terms of 12 Months or less 1% of amount being withdrawn
- Terms of greater than 12 Months 3% of amount being withdrawn
For IRA Certificate Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
- Terms of 12 Months or less 1% of amount being withdrawn
- Terms of greater than 12 Months 3% of amount being withdrawn
- Terms of 12 Months or less 1% of amount being withdrawn
- Terms of greater than 12 Months 3% of amount being withdrawn
Membership Benefits
In addition to our competitive rates, there are endless benefits to becoming a WEOKIE member. Explore our banking services to learn more.
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MONEY MARKET
1APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for the annual period. For this account, the Interest Rate and Annual Percentage Yield may change at any time as determined by the Credit Union. 3.00% APY only available with balances equal to or greater than $250,000. If the minimum daily balance of $250,000 is not met, you will not earn the stated Annual Percentage Yield. Other rates are available. We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day. Rates are valid as of March 1, 2024 and subject to change without notice. The minimum balance required to open this account is $25,000. Membership eligibility is required. Federally Insured by NCUA.
1APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for the annual period. For this account, the Interest Rate and Annual Percentage Yield may change at any time as determined by the Credit Union. 3.00% APY only available with balances equal to or greater than $250,000. If the minimum daily balance of $250,000 is not met, you will not earn the stated Annual Percentage Yield. Other rates are available. We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day. Rates are valid as of March 1, 2024 and subject to change without notice. The minimum balance required to open this account is $25,000. Membership eligibility is required. Federally Insured by NCUA.
CERTIFICATE
2APY = Annual Percentage Yield. Certificate = Certificate Account. APY will vary based on the daily balance maintained. Rates and offers are current as of 4/7/2025 and are subject to change without notice. Minimum $1,000 deposit is required. 6-Month Certificate Account: 4.20% APY available for balances less than $100,000 (4.30% APY for balances $100,000+). At maturity, converts and renews as a standard 6-month Certificate rate and term. Other terms and rates are available. A dividend penalty will be imposed for early withdrawal. The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of 12 Months or less = 1% of amount being withdrawn. Terms of greater than 12 Months = 3% of amount being withdrawn. Membership eligibility is required. $1,000 minimum opening deposit is required is open any Certificate Account. Federally insured by NCUA.
2APY = Annual Percentage Yield. Certificate = Certificate Account. APY will vary based on the daily balance maintained. Rates and offers are current as of 4/7/2025 and are subject to change without notice. Minimum $1,000 deposit is required. 6-Month Certificate Account: 4.20% APY available for balances less than $100,000 (4.30% APY for balances $100,000+). At maturity, converts and renews as a standard 6-month Certificate rate and term. Other terms and rates are available. A dividend penalty will be imposed for early withdrawal. The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of 12 Months or less = 1% of amount being withdrawn. Terms of greater than 12 Months = 3% of amount being withdrawn. Membership eligibility is required. $1,000 minimum opening deposit is required is open any Certificate Account. Federally insured by NCUA.