This no minimum balance, no monthly fee checking account offers the following benefits:

  • The account earns monthly dividends.
  • Accountholders receive a WCTFCU VISA® Debit card.
  • Enroll this account in eStatements to receive up to $15/month for ATM surcharge reimbursement by using the WCTFCU debit card.*
  • Unlimited point of sale (POS) transactions.

    *Restrictions apply. Criteria needs to be met to receive reimbursement.  Account qualification criteria subject to change. An initial deposit of $5.00 is required to fund and open a new checking account.

    Open An Account

Savings & Checking Rates

Rates effective as of 02/01/2025
Account TypeCompoundedAPY*Rate
Regular Share AccountQuarterly.10%.10%
Club AccountsQuarterly.10%.10%
Head Start Savings ($0-$1000)Quarterly4.60%4.50%
Head Start Savings (Over $1000)Quarterly.10%.10%
A+ Checking ($0-$10,000)Monthly1.05%1.05%
A+ Checking (Over $10,000)Monthly.10%.10%
A+ Checking - Non-QUALIFYING RateMonthly.03%.03%
Regular CheckingQuarterly.05%.05%
Regular IRA SharesQuarterly.10%.10%

Rates may change at any time. Contact branch to confirm current Rates. *Annual Percentage Yield. Minimum balance to earn Annual Percentage Yield on Certificate Accounts is $500. Minimum balance to earn Annual Percentage Yield on IRA Share Accounts is $10. Minimum balance to earn Annual Percentage Yield on all other accounts - $5. Penalties may apply for early withdrawal from certificate accounts. Withdrawals and fees could reduce earnings. Rates are subject to change after the account is open.