Savings
Saving for a car, an upcoming vacation, your future home, or just for emergencies? We are proud to offer a wide variety of ways for you to grow your savings. You can have multiple savings accounts to reach all of your specific savings goals. Access your savings accounts within online banking or the mobile app, or in CU*Talk. With our savings account options, you have complete control of your money!
* Rates Accurate As of July 12, 2025
| ACCOUNT TYPE | APY* | MINIMUM BALANCE |
|---|---|---|
| Share Savings | 0.10% | $5.00 |
| Money Market | 0.20% - 0.40% | $2,500 |
| Success Money Market | 0.10% - 2.00% | $50,000 |
| Nest Egg Savings | 0.10% | $1.00 |
| Christmas Club | 0.10% | $1.00 |
| Select Checking | 0.10% | $1,000 |
Business Interest Checking
| Balance | APY* | |
|---|---|---|
| $0-$999 | 0.10% | 0.10% |
| $10,000-$99,999 | 0.20% | 0.20% |
| $100,000 | 0.25% | 0.25% |
Health Savings Account also available.
Note: Fees could reduce earnings on the account. Minimum balance to earn dividends.
*APY is Annual Percentage Yield.
Share Savings
A Share Savings Account is the foundation of your credit union membership. Our Share Savings Accounts earn competitive dividends and are a convenient way to save, especially when you sign up for direct deposit. Dividends on all Share Accounts are computed on the average daily balance and compounded and credited monthly.
Money Market
We are excited to announce our new tiered savings account - Money Market. This account will make you money by automatically updating its rate based on your actual balance.
Nest Egg Savings
A Nest Egg Savings account is a great tool for special savings purposes. Open one today to save for a special vacation, college expense or home improvements. You can even give this account its own special “nickname.”
Youth Savings
A Youth Savings account is the perfect way to begin savings for your children. This savings account is also designed to help encourage financial awareness for children by joining in the fun with Rocky, our woodland mascot. Join WMCU's Critter Club to earn prizes and rewards for deposits.
Christmas Club
You can open a Christmas Club Account any time of the year. This allows you to set aside money as often as you decide for those holiday expenses. For your convenience – and just in time for the holidays – your Christmas Club balance is transferred to your Share Savings Account on November 1.
Certificate of Deposit
Available at competitive rates with a minimum deposit of only $500 and terms from 3 months to 5 years. Certificates of Deposit are a risk-free way to earn higher returns. You lock in a fixed interest rate for the term of the deposit, making this an excellent way to guard against a possible decline in interest rates.
Individual Retirement Account (IRA)
No matter what life stage you're in, we have you covered. We offer Coverdell Education Savings Accounts to help you save for a child's educational expenses early or Roth and Traditional IRAs to help you save for retirement.
Other products:
Working together as the most trusted resource to help our members' financial lives be simply better.