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  • Savings
  • Money Markets
  • Certificates
  • IRA Share Certificates
  • IRA

Savings Accounts

Account Type Minimum Deposit* Dividend Rate Annual Percentage Yield
Shares (aka Savings) $5.00 0.05% 0.05%
Christmas Club Accounts $5.00 0.01% 0.01%

Rate & Fee Schedule

(Rates are accurate as of October 17, 2022**. Dividends credited and compounded quarterly.)
* Minimum deposit required to open an account.
** Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period.
(For the most current information and any restrictions and disclosures, phone us toll-free at 888-932-8148.)

Money Market Accounts

Dividends Credited and Compounded Minimum Deposit* Dividend Rate Annual Percentage Yield (APY)
Monthly (Calendar)
$1,000.00 or greater $1,000.00 1.00% 1.00%

Rate & Fee Schedule

(Rates are accurate as of July 1, 2023 ***.)

*Minimum deposit required to open, and the minimum Daily Balance required to avoid a service fee for the calendar month.

**Account transfer and withdrawal limitations apply.

***Quoted annual percentage rate (APR), annual percentage yield (APY), and effective date are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period. Fees or other conditions could reduce earnings. Dividends are compounded and credited monthly for money markets.

(Contact your branch for more information and full disclosures.)

Certificates

Certificate Term Minimum Deposit Dividend Rate Annual Percentage Yield (APY) †
6 Months $500.00 4.60% 4.60%
12 Months $500.00 4.50% 4.50%
24 Months $1,000.00 4.00% 4.00%
36 Months $1,000.00 4.00% 4.00%
48 Months $1,000.00 4.00% 4.00%
60 Months $1,000.00 4.00% 4.00%

Rate & Fee Schedule

Rates are accurate as of April 15, 2024. The certificates listed above are available for a limited time.

Minimum deposit required to open certificate account. A penalty will be imposed on any withdrawal of the principal from a certificate account before the maturity date. Quoted annual percentage yields (APY) and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period.

†APY=Annual Percentage Yield. APYs are accurate as of April 15, 2024. Fees or other conditions may reduce the earnings on your account. Certificates are not subject to auto-renewal, except the 12-month certificate, which will auto-renew.

The minimum balance is $1,000, except for 6 months and 12 months, which is $500. Dividends are compounded quarterly and credited quarterly. A penalty may be imposed for early withdrawal. This is a one-time limited offer and may be canceled at any time. Other terms and conditions may apply. See credit union for details. Federally insured by NCUA.

Contact your branch for more information and full disclosures.

IRA Share Certificates

Certificate Term** Minimum Deposit* Dividend Rate Annual Percentage Yield (APY)
12 Months $500.00 2.50% 2.50%
24 Months $500.00 2.75% 2.75%
36 Months $500.00 3.00% 3.00%
48 Months $500.00 3.25% 3.25%
60 Months $500.00 3.50% 3.50%

Rate & Fee Schedule

(Rates are accurate as of October 13, 2023***. Dividends credited and compounded quarterly. The certificates listed above are available for a limited time.)

 *Minimum deposit required to open IRA certificate account. **We may impose a penalty if you withdraw any of the principal from a certificate account before the maturity date. An early withdrawal from an IRA may also be subject to additional federal tax (and possibly additional state and local taxes) if you are under age 59½. ***Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period. Dividends compounded and credited quarterly.

 (Contact your branch for more information and full disclosures.)

IRA

Account Type Minimum Deposit* Dividend Rate Annual Percentage Yield (APY)
IRAs $100.00 0.10% 0.10%

Rate & Fee Schedule

(Rates are accurate as of June 1, 2020**. Dividends credited and compounded quarterly.)

* Minimum deposit required to open an account.

** Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period.

 (Contact your branch for more information and full disclosures.)

Contact Your Branch for more Information and Full Disclosures.

WFCU Annual Meeting - For Members Only - Mark Your Calendars: Wednesday, May 22

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, May 27 in observance of Memorial Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

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

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Please be advised of our holiday hours for Independence Day: all WFCU branches will be closed on Thursday, July 4. The Zebulon-GSK branch will be closed July 1 - July 5.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, September 2 in observance of Labor Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, October 14 in observance of Columbus Day. 

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

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

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 28 & 29, 2024.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

As we close out 2024 and think forward to 2025, 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.

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