Credit union · NCUA insured
Westerly Community Credit Union Savings Rates
Westerly Community Credit Union’s best savings rate is 3.00% APY on $10,000, with its #Goals Savings Account. Rates checked October 22, 2026.
How Westerly Community Credit Union’s savings rates compare
Compared with banks and credit unions near Providence, RI-MA, where Westerly Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Westerly Community Credit Union
2.75%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $275
Diamond Savings Account
Top rate
St. Anne's Credit Union
4.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $495
2nd-highest rate
Alltrust Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Westerly Community Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.75%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0001.25%
- QualifiedQualified2.75%
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 Westerly 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.
Advantage Money Market Account
1.00%APY
A minimum balance of $100 and an active eChecking account is required. If requirements not met, the lowest tier rate published on that day will apply. Interest is compounded monthly and credited to your account monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $20,000Requires an active eChecking account and minimum balance of $100. If requirements not met, the lowest tier rate published on that day will apply. | 1.00% | $100 | Requires an active eChecking account and minimum balance of $100. If requirements not met, the lowest tier rate published on that day will apply. |
| $20,000 – $50,000Requires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. | 1.40% | — | Requires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. |
| $50,000 – $100,000Requires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. | 2.50% | — | Requires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. |
| $100,000 – $250,000Requires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. | 2.80% | — | Requires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. |
| $250,000 and upRequires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. | 3.05% | — | Requires an active eChecking account. If requirements not met, the lowest tier rate published on that day will apply. |
Sources (2)
- westerlyccu.com/personal/save-…est-money-market-account
- westerlyccu.com/resources/explore/rates/deposit-rates
All captured Oct 15, 2026
#Goals Savings Account
3.00%APY · 1 term
Rates are fixed for 12 months. Automatic transfers from WCCU Checking Account ($5 to $500 per month) required. Auto transfers are the only deposits allowed. No withdrawals. Closing early results in loss of 90 days of interest. After 12 months, all savings transfer to WCCU Savings or Checking. Limit 1 per membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRates are fixed for 12 months. Automatic transfers from WCCU Checking Account ($5 to $500 per month) required. Auto transfers are the only deposits allowed. No withdrawals. Closing early results in loss of 90 days of interest. After 12 months, all savings transfer to WCCU Savings or Checking. Limit 1 per membership | 3.00% | $300 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 14, 2026
Diamond Savings Account
2.75%APY
Limit (1) Diamond Savings account per member. Earn highest rate on balances less than $25,000. Interest compounded & posted monthly. Surcharge-free ATM access.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Earn highest rate on balances less than $25,000. Limit (1) Diamond Savings account per member. | 2.75% | $275 | Earn highest rate on balances less than $25,000. Limit (1) Diamond Savings account per member. |
| $25,000 and upLimit (1) Diamond Savings account per member. | 1.25% | — | Limit (1) Diamond Savings account per member. |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 14, 2026
Rewards Savings Account
0.10%APY
Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). Interest is compounded & posted monthly based on total balances shown on last business day of the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). | 0.10% | — | Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). |
| $10,000 – $50,000Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). | 0.10% | $10 | Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). |
| $50,000 – $100,000Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). | 0.10% | — | Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). |
| $100,000 – $200,000Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). | 0.10% | — | Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). |
| $200,000 and upRate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). | 0.15% | — | Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 14, 2026
Share Savings Account
0.05%APY
Compounded & posted monthly. Free eBanking, eStatements, and surcharge-free ATM access.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $50,000 | 0.05% | $5 |
| $50,000 and up | 0.05% | — |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 14, 2026
Special-purpose accounts
IRA Savings Account
0.25%APY
Tax-advantaged Traditional and Roth IRAs available. Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions. Any deposit amount allowed at any time. No monthly service charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.25% | $25 |
| $25,000 – $100,000 | 0.35% | — |
| $100,000 and up | 0.45% | — |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 14, 2026
Youth Savings Account
0.05%APY
For ages 0–17. Parent or Guardian required on account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For ages 0–17. Parent or Guardian required on account. | 0.05% | — | For ages 0–17. Parent or Guardian required on account. |
| $5,000 – $50,000For ages 0–17. Parent or Guardian required on account. | 0.05% | $5 | For ages 0–17. Parent or Guardian required on account. |
| $50,000 and upFor ages 0–17. Parent or Guardian required on account. | 0.05% | — | For ages 0–17. Parent or Guardian required on account. |
Sources (2)
- westerlyccu.com/Personal/Save-…ts/Youth-Savings-Account
- westerlyccu.com/resources/explore/rates/deposit-rates
All captured Oct 14, 2026
Who can join Westerly Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.