Member Savings

A $5 deposit opens your Member Savings account at WCCU. Your first $5 is a share in the credit union and makes you a member/owner.

  • $5 minimum deposit to open an account.
  • $50 minimum to earn dividends.
  • Variable rate dividends compounded and paid quarterly on daily balances on $50.00 or more.
  • $1.00 monthly service charge if balance falls below $50.00 at anytime during the month. (Members under age 18, members with loans, and service organizations are exempt from this monthly service charge.)
  • The card is free.
  • FREE transactions at a WCCU ATM
  • Withdrawals and transfers at all other ATM’s are just $.25 plus any surcharge charged by the owner of the ATM
  • Note: Business accounts can only use an ATM to withdraw money.
  • No charge for this convenient service.
  • Money can be deducted from savings for insurance premiums, club membership fees, etc.
  • To cancel an automatic deduction, you must send a letter to the company and keep a copy for your records
  • If an automatic deduction creates a negative balance, you may be subject to a $20 overdraft fee.

Quarterly statements are mailed at no charge. (Members with a WCCU checking account receive a monthly statement of all their WCCU accounts.)

Your Warranty of Safety
Westby Co-op Credit Union is federally insured by the National Credit Union Administration (NCUA).