Rates and Fees
Rates
Effective: October 1st, 2025
| Account | APY** | |
|---|---|---|
| Regular Shares | 1.50% | 1.50% |
| Christmas Club | 0.00% | 0.00% |
| IRA/ROTH | 3.00% | 3.00% |
| 6-Month Share Certificate | 3.00% | 3.00% |
| 12-Month Share Certificate | 2.00% | 2.00% |
| 2-Year Share Certificate | 1.50% | 1.50% |
In addition to mortgages, auto loans, and personal loans, WNCCCU offers Savings Accounts and Checking Accounts. All Checking Accounts come with a $300 Overdraft Line of Credit (LOC) for Overdraft Protection.
¹Annual Percentage Yield (APY) is the percentage yield reflecting the total amount of dividends paid on an account, based on the dividend rate and the frequency of compounding for a 365 day period. "APY" assumes the funds remain in the account for the period (365 days unless otherwise stated), any minimum balance requirements have been met, and that no other transactions occur during the period.
²Fees may reduce earnings. Minimum of 5 debit card transactions (point-of-sale and PIN-based) posted to the account per month.
³Penalty will or may be imposed for early withdrawal from this type of certificate.
Quoted APY is subject to change.
Minimum deposit must be maintained to earn interest.
Current Fees
| Service | Fee Amount |
|---|---|
| Returned Checks | $25.00 |
| Returned e-Payments (due to insufficient funds) | $15.00 |
| Any Stop Pays | $15.00 |
| Auto Share Transfer to cover overdrafts (Back office transfer that uses money from savings to cover transactions withdrawn from checking) |
$3.00 (No charge is overdraft LOC is used) |
| Outgoing Wires | $5.00 |
| Incoming Wires | $4.00 |
