Credit union · NCUA insured
Wheatland Federal Credit Union Savings Rates
Wheatland Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Personal Choice Savings. Rates checked October 16, 2026.
How Wheatland Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Lancaster, PA, where Wheatland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wheatland Federal Credit Union
0.05%APY
- Minimum
- $0
- Earns on $10,000 a year
- $5
Personal Choice Savings
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
Wheatland Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Wheatland Federal 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.
Personal Choice Savings
0.05%APY
Cannot be accessed by an ATM or Debit Card. Follows the same guidelines as the main share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0$0.00 to open and $0.01 to earn APY.Over $0 | 0.05% | $5 | $0.00 to open and $0.01 to earn APY. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Accumulation IRA
0.25%APY
Consult a tax advisor for tax implications for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum $0.00 to open and $0.01 to earn APY. Consult a tax advisor for tax implications for early withdrawal.Over $0 | 0.25% | $25 | Minimum $0.00 to open and $0.01 to earn APY. Consult a tax advisor for tax implications for early withdrawal. |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
Club Grand Savings
0.20%APY
Designed specifically for members aged 55+. Held alongside share savings and checking accounts. Funds are not accessible via ATM or debit card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.15% | — |
| $5,000 and up | 0.20% | $20 |
Sources (2)
All captured Sep 17, 2026
Holiday Club Savings
0.10%APY
Runs from October 1st – September 30th of every calendar year. On October 1st, balance is automatically transferred to regular savings account. Early withdrawal may incur penalty or restriction. Cannot be accessed by ATM or Debit Card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Only $0.00 to open and $0.01 to earn APY. Make deposits anytime. On October 1st of each year, balance is automatically transferred to regular savings account. Early withdrawal may incur penalty or other restriction.Over $0 | 0.10% | $10 | Only $0.00 to open and $0.01 to earn APY. Make deposits anytime. On October 1st of each year, balance is automatically transferred to regular savings account. Early withdrawal may incur penalty or other restriction. |
Sources (2)
All captured Sep 17, 2026
Sharky Savers Kids & Fast Track Clubs
0.10%APY
For youth members (Sharky Savers for ages 0-12, Fast Track for ages 13-17). An adult joint owner is required on all accounts owned by members under 18 years old.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0$0.00 to open and $0.01 to earn APY.Over $0 | 0.10% | $10 | $0.00 to open and $0.01 to earn APY. |
Sources (2)
All captured Sep 17, 2026
Vacation Club Savings
0.10%APY
Runs from April 1st – March 31st of every calendar year. On April 1st, balance is automatically transferred to regular savings account. Early withdrawal may incur penalty or fee. Cannot be accessed by ATM or Debit Card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Only $0.00 to open and $0.01 to earn APY. Make deposits anytime. On April 1st of each year, balance is automatically transferred to regular savings account. Early withdrawal may incur penalty or other restrictions.Over $0 | 0.10% | $10 | Only $0.00 to open and $0.01 to earn APY. Make deposits anytime. On April 1st of each year, balance is automatically transferred to regular savings account. Early withdrawal may incur penalty or other restrictions. |
Sources (2)
All captured Sep 17, 2026
Regular Savings
0.05%APY
Represents share of ownership in WFCU. Requires $10 membership fee ($1 for members under 18) and meeting membership requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum $5.00 deposit to open and earn APY.$5 and up | 0.05% | $5 | Minimum $5.00 deposit to open and earn APY. |
Sources (3)
- wheatlandcu.com/wfcu-membership
- wheatlandcu.com/services/produ…services/savings-account
- wheatlandcu.com/rates
All captured Sep 17, 2026
Who can join Wheatland Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or attend school in Lancaster County qualify for membership.
Family and household
- Immediate family members of Wheatland account holders qualify for membership.
Cost to join
- A $10 membership fee is required ($1 for members under 18).
- A $5 deposit is required for opening your savings account.
Membership information collected October 5, 2026.