Credit union · NCUA insured
West Metro Schools Credit Union Savings Rates
West Metro Schools Credit Union’s best savings rate is 1.75% APY on $10,000, with its WINcentive® Savings. Rates checked October 16, 2026.
How West Metro Schools Credit Union’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where West Metro Schools Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
West Metro Schools Credit Union
1.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $175
WINcentive® Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
West Metro Schools Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.30%
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 West Metro Schools 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.
WINcentive® Savings
1.75%APY
Maximum deposit of $500 per month. Allowed 2 withdrawals per calendar year. Prize drawing entries for every $25 deposited per month (up to 4 entries per month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaximum deposit of $500 per month. Allowed 2 withdrawals per calendar year.Any balance | 1.75% | $175 | Maximum deposit of $500 per month. Allowed 2 withdrawals per calendar year. |
Sources (2)
All captured Sep 18, 2026
Money Market
0.30%APY
Members should call the credit union to verify rates and to find out if there are any fees on these accounts that could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.30% | — |
| $10,000 – $24,999 | 0.30% | $30 |
| $25,000 – $49,999 | 0.35% | — |
| $50,000 – $99,999 | 0.35% | — |
| $100,000 and up | 0.40% | — |
Sources (1)
- westmetroschoolscu.org/resources/rates-and-fees · captured Sep 18, 2026
Share Savings
0.15%APY
Opened for every member upon joining the credit union. Requires an initial deposit of $5.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Holiday Savings
5.00%APY
Maximum deposit of $300 per month. Balance is transferred to member credit union account once a year in mid-November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaximum deposit of $300 per month.Any balance | 5.00% | $500 | Maximum deposit of $300 per month. |
Sources (2)
All captured Sep 18, 2026
Super Savers Youth Savings
2.25%APY
Available for kids 0 to 17 years of age (must be under 18 years old).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be under 18 years old (0 to 17 years of age).Any balance | 2.25% | $225 | Must be under 18 years old (0 to 17 years of age). |
Sources (2)
All captured Sep 18, 2026
Individual Retirement Accounts (IRA)
0.40%APY
Traditional IRA and Roth IRA accounts available. Dividends are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.40% | $40 | Dividends paid quarterly. |
Sources (2)
All captured Sep 18, 2026
Who can join West Metro Schools Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.