Credit union · NCUA insured
West Community Credit Union Savings Rates
West Community Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How West Community Credit Union’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where West Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
West Community Credit Union
0.60%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $60
Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
West Community Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0002.25%
- QualifiedQualified0.60%
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 West Community 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 Plus
Up to 2.50%APY
Interest compounds and is paid monthly. You must maintain a $1,500 aggregate average daily balance in a West Community checking account or a monthly $10 fee will apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $15,000 – $49,999Minimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. | 1.76% | — | Minimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. |
| $50,000 – $99,999Minimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. | 2.00% | — | Minimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. |
| $100,000 – $249,999Minimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. | 2.25% | — | Minimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. |
| $250,000 and upMinimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. | 2.50% | — | Minimum daily balance required to earn APY. Monthly $10 fee waived if maintaining a $1,500 aggregate average daily balance in a West Community checking account. |
Sources (2)
All captured Oct 5, 2026
Money Market
0.60%APY
Dividends paid monthly. Up to six withdrawals monthly. Additional deposits accepted. Tiered rates based on balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $4,999Minimum daily balance required to earn APY. | 0.50% | — | Minimum daily balance required to earn APY. |
| $5,000 – $9,999Minimum daily balance required to earn APY. | 0.50% | — | Minimum daily balance required to earn APY. |
| $10,000 – $24,999Minimum daily balance required to earn APY. | 0.60% | $60 | Minimum daily balance required to earn APY. |
| $25,000 – $49,999Minimum daily balance required to earn APY. | 1.00% | — | Minimum daily balance required to earn APY. |
| $50,000 – $74,999Minimum daily balance required to earn APY. | 1.50% | — | Minimum daily balance required to earn APY. |
| $75,000 – $99,999Minimum daily balance required to earn APY. | 1.75% | — | Minimum daily balance required to earn APY. |
| $100,000 – $249,999Minimum daily balance required to earn APY. | 2.00% | — | Minimum daily balance required to earn APY. |
| $250,000 and upMinimum daily balance required to earn APY. | 2.25% | — | Minimum daily balance required to earn APY. |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.05%APY
A $5 minimum balance is required in the account; $5 deposit in savings is required for credit union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100 required to earn APY. Balances of $100 or more earn interest.$100 and up | 0.05% | $5 | Minimum daily balance of $100 required to earn APY. Balances of $100 or more earn interest. |
Sources (3)
- westcommunitycu.org/accounts/savings.htm
- westcommunitycu.org/rates/rates-savings.htm
- westcommunitycu.org/accounts/hsa.htm
All captured Oct 16, 2026
Special-purpose accounts
IRA Accumulation
0.25%APY
A regular monthly dividend will be paid on daily balances for the month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA regular monthly dividend will be paid on daily balances for the month.Any balance | 0.25% | $25 | A regular monthly dividend will be paid on daily balances for the month. |
Sources (2)
All captured Oct 16, 2026
Health Savings Account (HSA)
0.05%APY
Designed for individuals covered by a High Deductible Health Plan (HDHP) with minimum annual deductible of $1,500 ($3,000 for family). Cannot be covered by any other healthcare plan, enrolled in Medicare under age 65, or claimed as a dependent. $5 deposit in savings account required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo application processing, setup, monthly maintenance, or annual fees. $0 minimum daily balance required to earn APY.Any balance | 0.05% | $5 | No application processing, setup, monthly maintenance, or annual fees. $0 minimum daily balance required to earn APY. |
Sources (3)
- westcommunitycu.org/accounts/savings.htm
- westcommunitycu.org/rates/rates-savings.htm
- westcommunitycu.org/accounts/hsa.htm
All captured Oct 16, 2026
Holiday Savings
0.05%APY
Receive total savings in October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on balances of $25 or more.$25 and up | 0.05% | $5 | Earns interest on balances of $25 or more. |
Sources (2)
All captured Oct 16, 2026
Kids Savings
0.05%APY
For kids 12 and under. Social Security number required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns interest on every penny. No fees.Any balance | 0.05% | $5 | Earns interest on every penny. No fees. |
Sources (3)
- westcommunitycu.org/accounts/savings.htm
- westcommunitycu.org/rates/rates-savings.htm
- westcommunitycu.org/accounts/youth.htm
All captured Oct 16, 2026
Vacation Savings
0.05%APY
Receive total savings anytime you choose.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on balances of $25 or more.$25 and up | 0.05% | $5 | Earns interest on balances of $25 or more. |
Sources (2)
All captured Oct 16, 2026
Who can join West Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in St. Louis County, MO; St. Louis, MO; St. Charles County, MO; Warren County, MO; Franklin County, MO; Lincoln County, MO; Boone County, MO; Jefferson County, MO; Sikeston, MO; Madison County, IL; Monroe County, IL; or St. Clair County, IL.
Military, government and schools
- Membership is open to MIZZOU, Stephens College, and Columbia College students, faculty, staff, alumni, and student organizations.
Family and household
- Membership is open to anyone with a qualifying family member (parent, legal guardian, spouse, son, daughter, sibling, grandparent, grandchild, nephew, niece, uncle, aunt, first cousin, step, in-law, and adoptive relationships) living or working in any of the listed geographic affiliations, regardless of whether that family member is an existing member.
Cost to join
- Membership requires a $5 initial share deposit in a savings account.
Membership information collected October 4, 2026.