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Savings Rates
WEOKIE deposit accounts are safe and federally insured, and designed to maximize your savings with competitive rates and flexible options for every financial goal.
Grow Your Savings with Competitive Rates
Your savings deserve to work as hard as you do. At WEOKIE, we offer a comprehensive range of deposit accounts designed to help your money grow while keeping it safe and accessible. Whether you're building an emergency fund, saving for a major purchase, or planning for retirement, our competitive rates and flexible terms make it easy to reach your financial goals.
Our savings products include high-yield money market accounts for those seeking flexibility with premium rates, certificate accounts for guaranteed returns over fixed terms, and traditional savings accounts perfect for getting started. Your deposits are federally insured by the NCUA, giving you complete peace of mind while your savings grow. Compare our current rates below to find the perfect account for your needs, and start earning more on your deposits today.
Savings Accounts
|
Account Type
|
APY
|
Minimum to Open
|
|---|---|---|
|
Membership Savings
|
.25%
|
$5
|
|
Special Savings
|
.25%
|
N/A
|
|
Smart Savers* (Account balances up to $4,999.99)
|
1.51%
|
N/A
|
|
Smart Savers* (Account balances $5,000 and above**)
|
.25%
|
N/A
|
|
WE Care Savings (Account balances up to $4,999.99)
|
1.51%
|
N/A
|
|
WE Care Savings (Account balances $5,000 and above**)
|
.25%
|
N/A
|
|
IRA
|
.50%
|
N/A
|
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.
Certificate Accounts and IRA Certificates
|
Term
|
APY*
|
|---|---|
|
3 Month
|
2.95%
|
|
6 Month
|
3.25%
|
|
12 Month
|
3.75%
|
|
24 Month
|
3.50%
|
|
30 Month
|
3.15%
|
|
36 Month
|
3.15%
|
|
48 Month
|
3.15%
|
|
60 Month
|
3.15%
|
*APY = Annual Percentage Yield. APY will vary based on the daily balance maintained. Rates and offers are current as of November 17, 2025, and are subject to change without notice. A $1,000 minimum opening deposit is required to open any Certificate Account. Early withdrawal penalties apply. Fees may reduce earnings. Additional deposits may be made at any time by visiting a location in person, calling 405-235-3030, or via transfer inside Online/Mobile Banking.
Membership eligibility is required. All deposits are federally insured by NCUA up to $250,000 per depositor.
Early withdrawal penalty: 1% of the amount withdrawn for terms of 12 months or less; 3% of the amount withdrawn for terms greater than 12 months.
High Yield Money Market
$2,500 min to open
How the Blended Rate Structure Works
Our High Yield Money Market Account uses a blended rate structure, which means your balance earns different rates at different levels. As your balance grows, each portion earns a higher rate—so you get rewarded more without losing out on the lower-tier earnings.
Each portion of your balance earns the rate assigned to that tier. Your blended APY is a weighted average based on how much you have in each tier.
This approach helps maximize your earnings as your balance grows.
EXAMPLE: If you deposit $150,000
First $49,999 earns 1.49%
Next $50,000 (from $50,000 to $99,999) earns 1.98%
Remaining $50,001 (from $100,000 to $150,000) earns 2.47%
Next $50,000 (from $50,000 to $99,999) earns 1.98%
Remaining $50,001 (from $100,000 to $150,000) earns 2.47%
|
Deposit Tier
|
Rate
|
APY*
|
Portion of Balance Earning This Rate
|
|
|---|---|---|---|---|
|
up to $49,999
|
1.49%
|
1.50%
|
|
|
|
$50,000 to $99,999
|
1.98%
|
2.00%
|
Only the portion between $50,000–$99,999
|
|
|
$100,000 to $249,999
|
2.47%
|
2.50%
|
Only the portion between $100,000–$249,999
|
|
|
$250,000 and greater
|
2.96%
|
3.00%
|
Only the portion above $250,000
|
*APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of interest paid on an account based on the interest rate and frequency of compounding over a year. For this account, the interest rate and APY may change at any time as determined by the Credit Union. The stated APY is a blended rate based on the portion of the balance within each tier. Actual APY may vary depending on the total balance in the account. If the $2,500 minimum daily balance is not met, you may not earn the stated APY. We use the daily balance method to calculate interest, applying a daily periodic rate to the principal in the account each day. Rates and offers are current as of 7/1/25, and are subject to change without notice. $2,500 minimum to open. Membership eligibility is required. All deposits are federally insured by NCUA up to $250,000 per depositor.
Commercial High Yield Money Market
|
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 paid on an account based on the interest rate and frequency of compounding over a year. For this account, the interest rate and APY may change at any time as determined by the Credit Union. If the $100,000 minimum daily balance is not met, you will not earn the stated APY. We use the daily balance method to calculate interest, applying a daily periodic rate to the principal in the account each day. Rates and offers are current as of 7/1/25, and are subject to change without notice. $100,000 minimum to open. Membership eligibility is required. All deposits are federally insured by NCUA up to $250,000 per depositor.
Non-Profit Money Market
|
Deposit Balance
|
Rate
|
APY*
|
|---|---|---|
|
up to $49,999
|
1.98%
|
2.00%
|
|
$50,000 up to $99,999
|
2.23%
|
2.25%
|
|
$100,000 up to $249,000
|
2.72%
|
2.75%
|
|
$250,000+
|
3.20%
|
3.25%
|
* APY = Annual Percentage Yield. Rates current as of October 2, 2025, and subject to change without notice. Terms and conditions apply. Minimum balance requirements apply to earn APY. Fees may reduce earnings. Dividends are compounded and credited monthly. Excess transaction fees may apply. Available exclusively to qualifying nonprofit organizations. Membership eligibility required. Must show proof of 501(c)(3) status at the time of account opening and be registered in the State of Oklahoma in order to receive the included benefits.
For more details on the Nonprofit Money Market, please contact Sarah Flanagan, CCUFC, Manager of the WEOKIE Foundation, at foundation@weokie.org.
Membership Benefits
In addition to our competitive rates, there are endless benefits to becoming a WEOKIE member. Explore our banking services to learn more.
Competitive Rates
Tiered rates for higher balances to increase your earnings.
Safe Deposit Box
Protect your valuable items and personal documents from damage, loss, or theft.
Federally Insured
Qualifying accounts are insured for $250,000 by the NCUA.
Mobile Banking
Get WEOKIE's Mobile Banking app for iOS or Android to make payments.
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Meghan
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Lisa Johnson
"WEOKIE has my back. I feel like more than just a number. Their staff is knowledgeable and cares about their members financial well-being through and through."
Brent C.
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