WECU High-Yield Savings & Money Market Rates

How WECU’s savings rates compare

Compared with banks and credit unions near Bellingham, WA, where WECU has the most branches. $10,000, best rate first.

This credit union’s best
WECU
0.50%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$50
Trust Savings
Top rate
WaFd Bank
3.82%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$382
WaFd Bank rates
2nd-highest rate
First Fed Bank
3.45%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$345
First Fed Bank rates

Savings score

Higher than 55% of U.S. banks and credit unions

By balance

$1,000 balance$1,0006.00%
$10,000 balance$10,0000.50%
$100,000 balance$100,0002.00%
QualifiedQualified0.50%

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.

How the score works →

Where WECU 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.

Stash Savings

0.01%APY$1 to open

One Stash Savings account per member. No monthly maintenance fees. Minimum opening deposit $1 (waived in branch). Dividends compounded and credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Earns 6.00% APY on balances up to $2,500.	6.00%	—	Earns 6.00% APY on balances up to $2,500.
Over $2,500Earns 0.01% APY on remaining balance over $2,500.	0.01%	$1	Earns 0.01% APY on remaining balance over $2,500.

Sources (1)

wecu.com/personal-banking/savings · captured Oct 22, 2026

High Yield Plus Savings

Up to 0.50%APYRequirements apply$1 to open

Dividends compounded and paid monthly based on average monthly balance tier; pays entire balance at qualified tier. Minimum opening deposit $1 (waived in branch). No monthly maintenance fee.

Sources (6)

All captured Oct 4, 2026

Money Market

0.50%APY

Dividends compound and credit monthly. Dividends are calculated by the daily balance method. No minimum balance requirement to open.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $99,999	0.50%	$50
$100,000 and up	2.00%	—

Sources (4)

All captured Oct 15, 2026

Estate Savings

0.50%APY

Dividends compounded and credited quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (1)

wecu.com/personal-banking/savings · captured Oct 22, 2026

Trust Savings

0.50%APY

Dividends compounded and credited quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (1)

wecu.com/personal-banking/savings · captured Oct 22, 2026

Regular Savings

0.10%APY$1 to open

No monthly maintenance fees. No minimum balance requirement to earn APY. Dividends compounded and credited quarterly using average daily balance method. Minimum opening balance $1 (waived in branch).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (1)

wecu.com/personal-banking/savings · captured Oct 22, 2026

Special-purpose accounts

First Step Foundation Savings

0.10%APYKids and teens$1 to open

First Step Foundation Savings is available with a parent/guardian joint signer. Age restrictions apply. Upon reaching 20 years old the account converts to Regular Savings. Minimum opening deposit $1.00 (waived in branch). Dividends calculated by daily balance method and compounded and credited quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Tier 1: $0-$500 earns 7.00% APY / 6.79% dividend rate.	7.00%	—	Tier 1: $0-$500 earns 7.00% APY / 6.79% dividend rate.
Over $500Tier 2: >$500 earns 0.10% APY / 0.10% dividend rate (regular savings rate applies to portion of balances above $500).	0.10%	$10	Tier 2: >$500 earns 0.10% APY / 0.10% dividend rate (regular savings rate applies to portion of balances above $500).

Sources (1)

wecu.com/wp-content/uploads/Ra…es-Schedule-Consumer.pdf · captured Oct 22, 2026

First Step Savings

0.10%APYKids and teens$1 to open

Available for ages 0-19 years with a parent/guardian joint signer. Minimum opening deposit of $1 is required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5007.00% APY on balances up to $500.	7.00%	—	7.00% APY on balances up to $500.
Over $500Regular savings rate applies to balances above $500.	0.10%	$10	Regular savings rate applies to balances above $500.

Sources (1)

wecu.com/personal-banking/savings · captured Oct 22, 2026

IRA Savings

0.50%APYIRA

Dividends compounded and credited quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (1)

wecu.com/personal-banking/savings · captured Oct 22, 2026

Education Savings (ESA)

0.10%APYIRA

No minimum opening balance. Dividends compounded and credited quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (1)

wecu.com/personal-banking/savings/stash-savings · captured Oct 22, 2026

Health Savings (HSA)

0.10%APYHSA

No minimum balance requirement to open. Dividends compounded and credited quarterly using average daily balance method.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (1)

wecu.com/personal-banking/savings · captured Oct 22, 2026

Who can join WECU

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals who live, work, worship, or attend school in Washington are eligible for membership.

Family and household

Family members of individuals who live, work, worship, or attend school in Washington are eligible for membership.

Other ways

Businesses that are majority-owned and operated within Washington are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← WECU overview

Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000With Spend Plus Checking. Must be tax reporting owner on both accounts.	0.50%	$50	With Spend Plus Checking. Must be tax reporting owner on both accounts.
Up to $50,000Tier 1 with Spend Plus Checking.	0.50%	$50	Tier 1 with Spend Plus Checking.
Up to $50,000Without Spend Plus Checking.	0.01%	$1	Without Spend Plus Checking.
Up to $50,000Tier 1 without Spend Plus Checking.	0.01%	$1	Tier 1 without Spend Plus Checking.
$50,000 – $100,000With Spend Plus Checking. Must be tax reporting owner on both accounts.	2.75%	—	With Spend Plus Checking. Must be tax reporting owner on both accounts.
$50,000 – $100,000Tier 2 with Spend Plus Checking.	2.75%	—	Tier 2 with Spend Plus Checking.
$50,000 – $100,000Without Spend Plus Checking.	2.00%	—	Without Spend Plus Checking.
$50,000 – $100,000Tier 2 without Spend Plus Checking.	2.00%	—	Tier 2 without Spend Plus Checking.
$100,000 – $500,000With Spend Plus Checking. Must be tax reporting owner on both accounts.	3.00%	—	With Spend Plus Checking. Must be tax reporting owner on both accounts.
$100,000 – $500,000Tier 3 with Spend Plus Checking.	3.00%	—	Tier 3 with Spend Plus Checking.
$100,000 – $500,000Without Spend Plus Checking.	2.25%	—	Without Spend Plus Checking.
$100,000 – $500,000Tier 3 without Spend Plus Checking.	2.25%	—	Tier 3 without Spend Plus Checking.
Over $500,000With Spend Plus Checking. Must be tax reporting owner on both accounts.	3.50%	—	With Spend Plus Checking. Must be tax reporting owner on both accounts.
Over $500,000Tier 4 with Spend Plus Checking.	3.50%	—	Tier 4 with Spend Plus Checking.
Over $500,000Without Spend Plus Checking.	2.50%	—	Without Spend Plus Checking.
Over $500,000Tier 4 without Spend Plus Checking.	2.50%	—	Tier 4 without Spend Plus Checking.

How WECU’s savings rates compare

WECU savings score

Current savings rates

Stash Savings

High Yield Plus Savings

Money Market

Estate Savings

Trust Savings

Regular Savings

Special-purpose accounts

First Step Foundation Savings

First Step Savings

IRA Savings

Education Savings (ESA)

Health Savings (HSA)

Who can join WECU

Where you live or work

Family and household

Other ways