Credit union · NCUA insured
Wheat State Credit Union Savings Rates
Wheat State Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Wheat State Credit Union’s savings rates compare
Compared with banks and credit unions near Wichita, KS, where Wheat State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wheat State Credit Union
0.50%APY
- Minimum
- $500
- Earns on $10,000 a year
- $50
Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Capitol Federal
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Wheat State Credit Union savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $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 Wheat State 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
0.50%APY
Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $5,000Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. | 0.40% | — | Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. |
| $5,000 – $50,000Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. | 0.50% | $50 | Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. |
| $50,000 – $100,000Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. | 1.00% | — | Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. |
| $100,000 and upDividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. | 1.50% | — | Dividends earned on the Average Daily Balance. Minimum Average Daily Balance of $500 to receive dividends. Dividends paid monthly. |
Sources (1)
- wheatstatecu.com/rates/share-and-certificate-rates · captured Sep 18, 2026
Who can join Wheat State 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 people who reside in, worship in, or whose place of employment is in Sedgwick, Riley, Geary, Sumner, Harper, Kingman, McPherson, Pratt, Stafford, Butler, Harvey, Marion, Dickinson, Cowley, Barber, Reno, Chase, Morris, Clay, or Cloud, or Rice county in Kansas.
Employers and groups
- Membership is open to all employees of any Kansas organization or its subsidiaries whose main endeavor is the delivery of healthcare.
Family and household
- Membership is open to spouses, children, stepchildren, parents, stepparents, grandparents, grandchildren, and siblings of a WSCU member.
Cost to join
- A minimum deposit of $25 is required to open a share account.
Membership information collected October 4, 2026.