Effective as of December 17, 2025

Auto Loan Rates

Term	As Low As
3-Year Term	4.45% APR*
4-Year Term	4.60% APR*
5-Year Term	4.75% APR*
6-Year Term	4.95%APR*

*APR = Annual Percentage Rate

*Other rates/terms available

Effective as of April 21, 2026

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
Coverdell Education Savings Account	0.20%	0.20%	No Minimum Required
Pee Wee and CU Succeed	1.49%	1.50%	No Minimum Required

First Freedom*

Interest or Dividend Rate	APY	Minimum Balance to Earn APY
0.25%	0.25%	$2,500.00 - $9,999.99
0.50%	0.50%	$10,000.00 - $24,999.99
1.00%	1.00%	$25,000.00 - $49,999.99
1.24%	1.25%	$50,000.00 - $99,999.99
1.49%	1.50%	$100,000.00 - $499,999.99
1.74%	1.75%	$500,000.00 - $999,999.99
2.23%	2.25%	$1,000,000.00 and Greater

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 10-01-2026

CD Terms/Rates

Term	Rate	APY	Minimum Opening Deposit
12 Month	2.25%	2.25%	$1,000.00
24 Month	2.50%	2.50%	$1,000.00

New Special CD Terms/Rates

Term	Rate	APY	Minimum Opening Deposit
7 Month	4.21%	4.25%	$1,000.00
13 Month	4.00%	4.00%	$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. 

Free Checking Accounts - Your Choice of Rewards.

• Kasasa Cash® — Free Checking that pays a really high interest rate.**
• Kasasa Cash Back® — Earn Cash Back on everyday debit card purchases.**
• Kasasa Tunes® — Earn iTunes®, Google Play®, and Amazon® rewards.* **

Compare Kasasa Checking Accounts

Features	Kasasa Cash®	Kasasa Cash Back®	Kasasa Tunes®
Free Checking
Kasasa Saver® available
Monthly reward	4.5% APY1 paid on balances up to $10,000. 0.05% APY1 paid even when qualifications aren’t met.	3% cash back on debit card purchases – that’s up to $7.50 each month.1	Up to $10 in refunds on iTunes®, Amazon® and Google Play® purchases each month.1
Refunds on ATM fees, nationwide1	Up to $25 per month1	Up to $25 per month1	Up to $25 per month1
No minimum balance to earn rewards
No monthly service fees
Free debit card & online access.
Unlimited checking
Kasasa Protect™ available
Minimum deposit to open2	$0	$0	$0

Free Checking. Awesome Rewards!
NATIONWIDE ATM REFUNDS, when qualifications are met!**

It's Easy to Earn Your Rewards...

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each monthly qualification cycle:

• At least 12 debit card purchases
• Be enrolled in and log our online services at least 1 time per month.
• Sign up and receive WCCU E-Statements

Please contact a WCCU team member today to enroll!

KASASA DISCLOSURES:

Bonus Information:

As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $ 20 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 5 calendar days after your account is opened.

This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20 posts and settles to your account.

No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account.

Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.

Qualification Information:

The following transactions and activities must post and settle to your Kasasa Cash Back account during each monthly qualification cycle:

-At least 12 debit card purchases

-Be enrolled in and log into NetTeller or our WCCU Mobile App at least 1 time per month.

-Sign up and receive WCCU E-Statements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through the day before the last business day of the month.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: average daily balances up to and including $10,000 receive an APY of 4.5%; and average daily balances over $10,000 earn a dividend rate of .25% on the portion of the average daily balance over $10,000, resulting in a range from 4.5% to 0.64% APY depending on the account's average daily balance.

Kasasa Cash Back: you will receive 3.00% cash back on up to a total of $250 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle. Kasasa Tunes: you will receive up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 5 days after the Monthly Qualification Cycle in which you qualified ends.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty- (60) calendar days of the withdrawal transaction

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed and:

Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 04/01/2018.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-on(s), and other requirements apply.

No minimum deposit is required to open the account.

Receiving a monthly e-statement is a condition(s)] of Kasasa Cash, Kasasa Cash Back or Kasasa Tunes accounts.

There are no recurring monthly maintenance charges or fees to open or close this account.

A linked Kasasa Saver account is required for automatic savings.

Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Federally insured by NCUA

Trademarks:

ITunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com, and Google, Inc. are not participants in or sponsors of this program.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.