Credit union · NCUA insured
Western Cooperative Credit Union Savings Rates
Western Cooperative Credit Union’s best savings rate is 0.50% APY on $10,000, with its First Freedom Savings. Rates checked October 22, 2026.
How Western Cooperative Credit Union’s savings rates compare
Compared with banks and credit unions near Williston, ND, where Western Cooperative Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Western Cooperative Credit Union
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
First Freedom Savings
Top rate
Dakota West Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Western Cooperative Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- 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.
Where Western Cooperative 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.
First Freedom Savings
0.50%APY
Opening balance required: $2,500.00.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $2,500 – $10,000$2,500 to open | 0.25% | $2,500 | — |
| $10,000 – $25,000Unknown to open | 0.50% | Unknown | $50 |
| $25,000 – $50,000Unknown to open | 1.00% | Unknown | — |
| $50,000 – $100,000Unknown to open | 1.25% | Unknown | — |
| $100,000 – $500,000Unknown to open | 1.50% | Unknown | — |
| $500,000 – $1,000,000Unknown to open | 1.75% | Unknown | — |
| $1,000,000 and upUnknown to open | 2.25% | Unknown | — |
Sources (1)
- wccu.org/Rates · captured Sep 19, 2026
Flexible Shares/Overdraft Protection
0.05%APY
Funds are automatically transferred in $100 increments to checking account to cover overdrafts. Accessible with WCCU MasterCard Debit Card. There is a small charge for each automatic transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $300 | 0.00% | — |
| $300 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Share Savings
0.05%APY
Establishes membership in the credit union. Minimum membership share deposit of $5.00 required and must be maintained.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $300 | 0.00% | — |
| $300 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Special-purpose accounts
CU Succeed
1.50%APY
Designed for members ages 13 to 19-years-old. Interest is paid monthly. Members receive a quarterly statement, quarterly newsletter, free box of checks annually, and 1% discount on a one-time loan (qualifications apply). Members ages 17 to 19 can apply for a $1000 college scholarship.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Pee Wee Penguin Club
1.50%APY
Designed for members birth to 12-years-old. Kids receive a treat each time they deposit. Interest paid monthly. Quarterly statement provided. Automatically rolls into CU Succeed at age 13.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Coverdell Education Savings Account
0.20%APY
Up to $2000 in non-deductible contributions per child can be made each year until the child reaches age 18. Tax-free withdrawals for qualified education expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
All captured Sep 19, 2026
IRA Shares
0.20%APY
Available as Traditional or Roth IRA share account. Must be under age 70 1/2 for Traditional IRA. Earnings may be tax-deferred or tax-free.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Who can join Western Cooperative Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.