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Rates

Effective as of September 20, 2024

Auto/Recreational Loan Rates
Term As Low As
3-Year Term 5.25% APR*
4-Year Term 5.40% APR*
5-Year Term 5.55% APR*
6-Year Term 5.75%APR*

*APR = Annual Percentage Rate

*Other rates/terms available

Effective as of August 19, 2024

Savings and Checking Rates
Account Type Interest or Dividend Rate APY Minimum Balance to Earn APY
Share Tier I 0.00% 0.00% $5.00 Membership Share
Share Tier II 0.05% 0.05% $300.00
Share Tier III 0.05% 0.05% $10,000.00
Basic Checking 0.00% 0.00% No Minimum Required
Flexible Shares Tier I 0.00% 0.00% Less than $300.00
Flexible Shares Tier II 0.05% 0.05% $300.00
Flexible Shares Tier III 0.05% 0.05% $10,000.00
IRA Shares 0.20% 0.20% No Minimum Required
Coverdall Education Savings Account 0.20% 0.20% No Minimum Required
Pee Wee and CU Succeed 0.25% 0.25% No Minimum Required
First Freedom*
Interest or Dividend Rate APY Minimum Balance to Earn APY
0.00% 0.00% Less Than $2,500.00
0.50% 0.50% $2,500.00 - $4,999.99
0.75% 0.75% $5,000 - $9,999.99
1.00% 1.00% $10,000 - $49,999.99
1.25% 1.26% $50,000 - $99,999.99
1.50% 1.51% Over $100,000.00

APY = Annual Percentage Yield
Rates may change after the account is opened.
Fees could reduce the earnings on an account.
*Opening balance required: $2,500.00.

Western Cooperative Credit Union is now offering Certificates of Deposit (CDs)! Choose the term that works for you and earn a higher rate!

CD Terms/Rates effective 12-20-2024

CD Terms/Rates
Term APR APY Minimum Opening Deposit
6 Month 2.24% 2.25% $1,000.00
12 Month 2.00% 2.00% $1,000.00
24 Month 1.85% 1.85% $1,000.00
New Special CD Terms/Rates
Term APR APY Minimum Opening Deposit
7 Month 3.72% 3.75% $1,000.00
13 Month 3.00% 3.00% $1,000.00

APY = Annual Percentage Yield
Fees could reduce the earnings on the account. A penalty will be imposed for early withdrawal.

Please contact us at 1-800-584-9220 for more information about our CD offerings or to request a copy of our current Certificate of Deposit Truth-in-Savings disclosure. 

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