Credit union · NCUA insured
WEPCO Federal Credit Union Savings Rates
Top CarrotWEPCO Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How WEPCO Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where WEPCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WEPCO Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market Accounts
Top rate
Dollar Bank
3.75%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
First Peoples Community Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
WEPCO Federal Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.00%
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 WEPCO Federal 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 Market Accounts
1.00%APY
Minimum deposit of $2,500.00 required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 1.00% | $100 |
| $50,000 – $75,000 | 1.26% | — |
| $75,000 – $125,000 | 1.51% | — |
| $125,000 – $175,000 | 1.71% | — |
| $175,000 – $250,000 | 1.81% | — |
| $250,000 – $500,000 | 1.91% | — |
| $500,000 and up | 2.02% | — |
Sources (1)
- wepcofcu.com/rates-fees/savings-rates · captured Oct 4, 2026
Special Purpose Savings
0.10%APY
Term and maturity date are set by member. Early withdrawal penalty applies. No minimum deposit or balance requirements to open. Dividends posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTerm is set by member. Early withdrawal penalty applies.Any balance | 0.10% | $10 | Term is set by member. Early withdrawal penalty applies. |
Sources (2)
All captured Sep 19, 2026
Share Savings Account
0.05%APY
Available to members who live, work, worship, or attend school in Allegany or Garrett Counties in MD or Mineral, Preston, or Tucker Counties in WV. Must deposit and maintain a $5.00 balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $75,000 | 0.05% | — |
| $75,000 and up | 0.05% | — |
Sources (2)
All captured Sep 19, 2026
Special Savings Account
0.05%APY
No minimum deposit or balance requirements to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $75,000 | 0.05% | — |
| $75,000 and up | 0.05% | — |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Account
3.05%APY
Individual Retirement Account savings options including Traditional and Roth IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.05% | $305 |
Sources (2)
All captured Sep 19, 2026
Early Savers Account
0.30%APY
For ages 0-12. Must deposit and maintain a $5.00 balance. Turns into a Share Savings Account when child turns 13. Child must live, worship, or attend school in Allegany or Garrett Counties in MD or Mineral, Preston, or Tucker Counties in WV.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.15% | — |
| $100 – $2,500 | 0.20% | — |
| $2,500 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 – $75,000 | 0.35% | — |
| $75,000 and up | 0.40% | — |
Sources (2)
All captured Sep 19, 2026
Christmas Club
0.10%APY
Annually matures on October 1st. Early withdrawal penalty applies ($5.00 early withdrawal fee). No minimum deposit or balance requirements to open. Funds automatically transfer on maturity to checking account or another share type upon request.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures annually on October 1st. Early withdrawal penalty applies.Any balance | 0.10% | $10 | Matures annually on October 1st. Early withdrawal penalty applies. |
Sources (3)
- wepcofcu.com/member-services/savings-accounts
- wepcofcu.com/rates-fees/savings-rates
- wepcofcu.com/rates-fees/fee-schedule
All captured Sep 19, 2026
Who can join WEPCO Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.