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Home > Savings & Investments > Savings and Certificates > Savings & Certificate Rates

Savings & Investment Rates

Tiered Rate Savings Certificates

Balance of $1,000 to $9,999
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
3 months 0.15% 0.15%
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

Balance of $10,000 to $49,999
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

Balance of $50,000 to $98,999
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

JUMBO Savings Certificates: Balance of $99,000+
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

IRA Certificates

Start Up IRA Certificates: Balance of $50 to $999*
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
3 months 0.10% 0.10%
Members can open a 3 month IRA Certificate with as little as $50. Once the balance reaches $1,000, please call 800-300-9728 and ask for an upgrade to a longer term certificate at higher dividends. Early withdrawal subject to penalty.

IRA Certificates: Balance of $1,000 to $9,999
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

IRA Certificates: Balance of $10,000 to $49,999
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

IRA Certificates: Balance of $50,000 to $98,999
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

IRA Certificates JUMBO: Balance of $99,000+
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 2.50% 2.52%

Money Market Account*
Effective Date: 11/12/18
Balance of:Dividend RateAnnual Percentage Yield*
$0 to $2,499 0.00% 0.00%
$2,500 to $9,999 0.15% 0.15%
$10,000 to $24,999 0.20% 0.20%
$25,000 to $49,999 0.20% 0.20%
$50,000 to $99,999.99 0.25% 0.25%
$100,000 to $249,999.99 0.50% 0.50%
$250,000+ 0.70% 0.70%
*Make deposits and in-branch withdrawals. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Balances below $2,500 will receive tthe stated rate of interest.

Flexible Savings Certificate*
Effective Date: 11/12/18
TermDividend RateAnnual Percentage Yield*Minimum Balance
6 months 0.20% 0.20% $5,000
*Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.

Savings & Interest-Bearing Checking Accounts
Effective Date: 11/12/18
ProductMinimum BalanceAnnual Percentage Yield*
Savings Account $25 0.10%
Checking Account (Apex and Advantage accounts only) * 0.05%
Holiday Savings Club** $50 1.00%
MatriMoney Special Purpose Savings** $50 1.00%

* Fees or other conditions may reduce earnings on accounts. Rates on savings, money market, and checking are variable and subject to change after account opening. An early withdrawal may apply for term certificates. All rates are subject to change without notice. For fees, please refer to our Schedule of Fees and Charges.

** The Holiday Club dividend rate of 1.0% APY (annual percentage yield) will earn up to $5,000. Deposits above $5,000 will earn a dividend at the prevailing rate. Early withdrawal penalty applies to the Holiday Savings Club (a term share account). Membership in WPCCU is required to open the account. Members must maintain a $25 account balance in their primary savings account in addition to the Holiday Savings Club account.

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