Bank · FDIC insured
WCF Financial Bank Savings Rates
WCF Financial Bank’s best savings rate is 0.30% APY on $10,000, with its Money Market Plus. Rates checked October 16, 2026.
How WCF Financial Bank’s savings rates compare
Compared with banks and credit unions in Iowa, where WCF Financial Bank has the most branches. $10,000, best rate first.
This bank’s best
WCF Financial Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $300
Kasasa Saver
Top rate
Employees Credit Union
3.82%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
WCF Financial Bank savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0002.63%
- QualifiedQualified3.00%
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 WCF Financial Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Kasasa Saver
Up to 3.00%APY
Requires a Kasasa Cash or Kasasa Cash Back checking account. Limit of 1 account per Social Security Number. No recurring monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate applied to entire daily balance when linked Kasasa Cash or Kasasa Cash Back qualifications are not met. | 0.05% | $5 | Base rate applied to entire daily balance when linked Kasasa Cash or Kasasa Cash Back qualifications are not met. |
| Up to $100,000When linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 1 Direct Deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases, and enrolled in eStatements during monthly qualification cycle). | 3.00% | $300 | When linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 1 Direct Deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases, and enrolled in eStatements during monthly qualification cycle). |
| Over $100,000Earns 0.25% interest rate on portion of daily balance over $100,000, resulting in a range from 1.63% to 3.00% APY depending on balance, when linked Kasasa Cash or Kasasa Cash Back qualifications are met. | 0.25% | — | Earns 0.25% interest rate on portion of daily balance over $100,000, resulting in a range from 1.63% to 3.00% APY depending on balance, when linked Kasasa Cash or Kasasa Cash Back qualifications are met. |
Sources (4)
- wcfbank.com/kasasa-disclosures.html
- wcfbank.com/kasasa-saver.html
- wcfbank.com/savings-and-cds.html
- wcfbank.com/ahorros-y-cds.html
All captured Sep 18, 2026
Money Market Platinum
0.45%APY
Transfers by preauthorized, automatic, telephone or computer limited to 6 per monthly cycle. Overdraft protection eligible. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $100,000Minimum balance required to obtain stated APY is $5,000.00. | 0.45% | $45 | Minimum balance required to obtain stated APY is $5,000.00. |
| $100,000 – $250,000Minimum balance required to obtain stated APY is $100,000.00. | 2.63% | — | Minimum balance required to obtain stated APY is $100,000.00. |
| $250,000 and upMinimum balance required to obtain stated APY is $250,000.00. | 2.73% | — | Minimum balance required to obtain stated APY is $250,000.00. |
Sources (2)
All captured Sep 18, 2026
Money Market Plus
0.30%APY
Transfers by preauthorized, automatic, telephone or computer limited to 6 per monthly cycle. Overdraft protection eligible. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $5,000$5 fee per cycle if balance falls below minimum requirement of $500. Minimum balance required to obtain stated APY is $5.00. | 0.20% | — | $5 fee per cycle if balance falls below minimum requirement of $500. Minimum balance required to obtain stated APY is $5.00. |
| $5,000 – $25,000$5 fee per cycle if balance falls below minimum requirement of $500. Minimum balance required to obtain stated APY is $5,000.00. | 0.30% | $30 | $5 fee per cycle if balance falls below minimum requirement of $500. Minimum balance required to obtain stated APY is $5,000.00. |
| $25,000 and up$5 fee per cycle if balance falls below minimum requirement of $500. Minimum balance required to obtain stated APY is $25,000.00. | 0.40% | — | $5 fee per cycle if balance falls below minimum requirement of $500. Minimum balance required to obtain stated APY is $25,000.00. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
2.00%APY · 1 term
Requires an existing WCF Checking or Savings account. Regularly scheduled automatic monthly deposits via ACH required (maximum automatic transfer $500/month, total deposit limit $6,000 for Club period). No withdrawals or transfers allowed during the Club period. Funds automatically transfer to designated WCF account during the third weekend of October.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11–12 months2026 Club accounts earn 2.00% interest rate compounded annually (2.00% APY). Club Year runs from November 1 through the third weekend of the following October. Regular monthly automatic deposit required. Minimum balance to earn APY is $0.01 | 2.00% | — |
Sources (4)
- wcfbank.com/christmas-club.html
- wcfbank.com/club-navideno.html
- wcfbank.com/savings-and-cds.html
- wcfbank.com/ahorros-y-cds.html
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.