Savings

A savings account is a low-risk, flexible and secure way to keep your money safe. Perfect as a rainy day fund, you can use your savings for the holidays, home improvements, special trips and more.

Your Regular Savings Account also serves as your “share” of ownership in the credit union. As a not-for-profit cooperative, each person who deposits money has a share of ownership. Unlike a bank, where customers have no right of ownership nor voting privileges… you do!

Start earning competitive dividends and put your money to work for you with a Welcome savings account. We even have special savings accounts for youth, high schoolers and college students, and a Christmas Club for holiday savings.

Forms and Disclosures

Key Features

  • icon images Competitive Dividends
  • icon images Direct Deposits Available
  • icon images Automatic Transfers Available
  • icon images Make Withdraw at Any Time
  • icon images $5 Minimum Balance is Required
  • icon images Federally insured by NCUA

  • Regular Savings Accounts

    • Initial deposit: $5.00
    • $5.00 minimum balance
    • No monthly fees
    • Quickly and easily transfer funds using online and mobile banking
    • Set up automatic transfers to make savings easy and convenient
    • Applicant must be 18 years of age
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  • Christmas Club Accounts

    • Initial deposit: $5.00
    • $5.00 minimum balance
    • No monthly fees
    • Automatic monthly deposit available
    • One withdrawal per quarter permitted
    • Applicant must be 18 years of age
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*APY = Annual Percentage Yield. See credit union for details.

🗓️ Scheduled Maintenance: Online banking will be temporarily unavailable on May 19, 2026, from 2:00 a.m. ET to 9:00 a.m. ET as we complete a scheduled upgrade. We appreciate your patience.

🗓️ Henderson Branch: Our Henderson branch will be open from 10 AM - 3 PM on Thursday, August 20.

🗓️ Welcome Federal Credit Union will be closed on Monday, May 25 in observance of Memorial Day.

🗓️ Welcome Federal Credit Union will be closed on Friday, June 19 in observance of Juneteenth.

🗓️ Welcome Federal Credit Union will be closed on Friday, July 3 in observance of the 4th of July.

🗓️ Welcome Federal Credit Union will be closed on Monday, September 7 in observance of Labor Day.

🗓️ Welcome Federal Credit Union will be closed on Monday, October 12 in observance of Columbus Day. 

🗓️ Welcome Federal Credit Union will be closed on Wednesday, November 11 in observance of Veterans Day.

🗓️ Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 26 & 27, 2025.

🗓️ As we close out 2026 and think forward to 2027, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule. 

Our auditors, Cantey Tiller Pierce & Green, LLP, may contact select members for routine account verification. Thank you for your careful review.

🗓️ Mark your calendar: WFCU's 2026 Annual Meeting - Members Only -  is Wednesday, May 20. RSVP today!

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