Credit union · NCUA insured
WCCU Credit Union Savings Rates
WCCU Credit Union’s best savings rate is 1.30% APY on $10,000, with its Money Management. Rates checked October 16, 2026.
How WCCU Credit Union’s savings rates compare
Compared with banks and credit unions near Baraboo, WI, where WCCU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WCCU Credit Union
1.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $130
Money Management
Top rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
2nd-highest rate
Lake Ridge Bank
2.84%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $284
WCCU Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.30%
- $100,000 balance$100,0002.05%
- QualifiedQualified1.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where WCCU Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Management Plus
Up to 2.60%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500,000 and upRate applies for balances $500,000 or more; dividends paid monthly. | 2.50% | — | Rate applies for balances $500,000 or more; dividends paid monthly. |
| $750,000 and upRate applies for balances $750,000 or more; dividends paid monthly. | 2.55% | — | Rate applies for balances $750,000 or more; dividends paid monthly. |
| $1,000,000 and upRate applies for balances $1,000,000 or more; dividends paid monthly. | 2.60% | — | Rate applies for balances $1,000,000 or more; dividends paid monthly. |
Sources (1)
- wccu.coop/rates · captured Oct 16, 2026
Money Management
Up to 1.30%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upRate applies for balances $2,500 or more; dividends paid monthly. | 1.25% | $125 | Rate applies for balances $2,500 or more; dividends paid monthly. |
| $10,000 and upRate applies for balances $10,000 or more; dividends paid monthly. | 1.30% | $130 | Rate applies for balances $10,000 or more; dividends paid monthly. |
| $25,000 and upRate applies for balances $25,000 or more; dividends paid monthly. | 1.55% | — | Rate applies for balances $25,000 or more; dividends paid monthly. |
| $100,000 and upRate applies for balances $100,000 or more; dividends paid monthly. | 2.05% | — | Rate applies for balances $100,000 or more; dividends paid monthly. |
| $250,000 and upRate applies for balances $250,000 or more; dividends paid monthly. | 2.25% | — | Rate applies for balances $250,000 or more; dividends paid monthly. |
Sources (1)
- wccu.coop/rates · captured Oct 16, 2026
Saver's Sweepstakes
0.25%APY
Prize-linked savings account. Wisconsin, Minnesota & Illinois residents only. Prize drawing entries for each $25 balance increase (up to 6 entries per month). Rate subject to change quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRate subject to change quarterly. Dividends paid quarterly on required daily balance of $25.$25 and up | 0.25% | $25 | Rate subject to change quarterly. Dividends paid quarterly on required daily balance of $25. |
Member Savings
0.20%APY
$5 minimum deposit to open makes you a member/owner. Variable rate dividends compounded and paid quarterly on daily balances of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded and paid quarterly on daily balances of $50 or more.$50 and up | 0.20% | $20 | Dividends compounded and paid quarterly on daily balances of $50 or more. |
Special-purpose accounts
Traditional & Roth IRAs
1.00%APY
Variable rate IRA savings. Can be started with as little as $5. Minimum balance to earn interest is $50. Deposits can be made anytime up to the legal maximum. Includes Traditional and Roth IRA wrappers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends paid quarterly. Variable rate IRA savings. | 0.25% | — | Dividends paid quarterly. Variable rate IRA savings. |
| $10,000 and upDividends paid quarterly. Variable rate IRA savings. | 1.00% | $100 | Dividends paid quarterly. Variable rate IRA savings. |
Health Savings Account
0.30%APY
Must be enrolled in a high-deductible health plan (HDHP). $20 fee to establish account; $20 fee to close account. $2 monthly service charge if $500 daily minimum balance is not maintained. Free debit card included. Overdraft protection not available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Monthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. | 0.20% | — | Monthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. |
| $5,000 – $15,000Monthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. | 0.30% | $30 | Monthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. |
| $15,000 – $25,000Monthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. | 0.60% | — | Monthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. |
| $25,000 and upMonthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. | 0.75% | — | Monthly service charge of $2 if $500 daily minimum balance is not maintained. Dividends paid monthly. |
Christmas Club
0.25%APY
Variable rate dividends compounded and paid quarterly on daily balances of $50 or more. Funds are disbursed on October 1st. $6 early withdrawal penalty for each withdrawal before the scheduled disbursement date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded and paid quarterly on daily balances of $50 or more.$50 and up | 0.25% | $25 | Dividends compounded and paid quarterly on daily balances of $50 or more. |
Education IRA
0.25%APY
Educational savings account designed to pay for qualified education expenses. Minimum balance to earn interest is $50.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends paid quarterly on daily balances of $50 or more. Variable rate Coverdell Education savings.$50 and up | 0.25% | $25 | Dividends paid quarterly on daily balances of $50 or more. Variable rate Coverdell Education savings. |
Buck's Savings Club
0.20%APY
Created for members 12 years old or younger. Must bring a parent or guardian to open. Earns variable rate dividend compounded and paid quarterly on daily balances of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded and paid quarterly on daily balances of $50 or more.$50 and up | 0.20% | $20 | Dividends compounded and paid quarterly on daily balances of $50 or more. |
Who can join WCCU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person residing or employed in Dane County is eligible.
Employers and groups
- Employees, members, or patrons of any cooperative operating in specified counties (and employees of associations/organizations of such cooperatives) who reside, attend school, own real estate, or are employed in Adams, Columbia, Crawford, Grant, Green, Green Lake, Iowa, Juneau, La Crosse, Lafayette, Marquette, Monroe, Richland, Sauk, Vernon, or Waushara County are eligible.
- Employees, members, or patrons of any cooperative operating in Dane County, and employees of associations or organizations of such cooperatives in Dane County, are eligible.
- Employees of WCCU Credit Union are eligible.
Family and household
- Immediate family members (including spouse, parents, stepchildren, and children, whether or not residing in the same household) of eligible persons, and any other relative of an eligible person or spouse residing in the same household, are eligible.
Other ways
- Customers of record at Citizen’s Community Federal Bank effective January 17, 2014 are eligible.
2 more ways to join
Other ways
- Organizations, associations, and trusts meeting specified eligibility criteria (location or majority eligible leadership/beneficiaries) are eligible.
- Public depositors may become members in the manner provided in WCCU’s bylaws.
Membership information collected October 5, 2026.