Credit union · NCUA insured
WSECU Savings Rates
WSECU’s best savings rate is 0.79% APY on $10,000, with its Money Market accounts. Rates checked October 22, 2026.
How WSECU’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where WSECU has the most branches. $10,000, best rate first.
This credit union’s best
WSECU
0.79%APY
- Requires
- None
- Earns on $10,000 a year
- $79
Money Market accounts
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
WSECU savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.79%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.79%
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 WSECU 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 accounts
0.79%APY
No minimum balance requirement. No maintenance fees. Earnings are based on average daily balance and paid at the end of each month. Withdrawals are limited to 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Based on average daily balance. | 0.10% | — | Based on average daily balance. |
| $5,000 – $10,000Based on average daily balance. | 0.74% | — | Based on average daily balance. |
| $10,000 – $25,000Based on average daily balance. | 0.79% | $79 | Based on average daily balance. |
| $25,000 – $50,000Based on average daily balance. | 0.89% | — | Based on average daily balance. |
| $50,000 – $100,000Based on average daily balance. | 0.94% | — | Based on average daily balance. |
| $100,000 and upBased on average daily balance. | 1.25% | — | Based on average daily balance. |
Sources (1)
- wsecu.org/checking-and-savings/money-market-accounts · captured Oct 4, 2026
Performance Money Market
0.79%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Avg Daily Balance. | 0.10% | — | Avg Daily Balance. |
| $5,000 – $10,000Avg Daily Balance. | 0.74% | — | Avg Daily Balance. |
| $10,000 – $25,000Avg Daily Balance. | 0.79% | $79 | Avg Daily Balance. |
| $25,000 – $50,000Avg Daily Balance. | 0.89% | — | Avg Daily Balance. |
| $50,000 – $100,000Avg Daily Balance. | 0.94% | — | Avg Daily Balance. |
| $100,000 and upAvg Daily Balance. | 1.25% | — | Avg Daily Balance. |
Sources (1)
- wsecu.org/resources/consumer-s…gs-rate-and-fee-schedule · captured Oct 4, 2026
ESA Savings
0.10%APY
Subject to IRS limitations. Dividends compounded and credited monthly. Accounts owned by Non-Resident Aliens are excluded from earning dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to IRS limitations.Any balance | 0.10% | $10 | Subject to IRS limitations. |
Sources (1)
- wsecu.org/resources/consumer-s…gs-rate-and-fee-schedule · captured Oct 4, 2026
Savings
0.10%APY
Minimum $1 deposit to open and $1 balance requirement. Direct deposit and payroll deduction available. Receive direct deposit funds up to two days early. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
HSA Savings
0.10%APY
Subject to IRS limitations. Dividends compounded and credited monthly. Accounts owned by Non-Resident Aliens are excluded from earning dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to IRS limitations.Any balance | 0.10% | $10 | Subject to IRS limitations. |
Sources (1)
- wsecu.org/resources/consumer-s…gs-rate-and-fee-schedule · captured Oct 4, 2026
Minor Savings
0.10%APY
Savings account for youths under 18. Adult joint account holder not required for minors over 14. Primary savings and sub-savings available. Automatic renewal after maturity. Accessible with Online and Mobile Banking. Munny Bunny and Munny Bunny Journal for minors 12 and under. UTMA option available. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
Sources (2)
All captured Oct 4, 2026
Traditional, Roth and SEP IRA Savings
0.10%APY
Subject to IRS regulations and limitations. Dividends compounded and credited monthly. Accounts owned by Non-Resident Aliens are excluded from earning dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to IRS limitations.Any balance | 0.10% | $10 | Subject to IRS limitations. |
Sources (1)
- wsecu.org/resources/consumer-s…gs-rate-and-fee-schedule · captured Oct 4, 2026
Closed to new customers
Prime Time Savings
0.10%APY
No longer offered; existing accounts still supported. Requires maintenance of a minimum qualifying certificate account (12 months or longer/$2,000 minimum) and the account holder must be at least 50 years of age. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upRequires maintenance of a minimum qualifying certificate account (12 months or longer/$2,000 minimum) and account holder must be at least 50 years of age.$1 and up | 0.10% | $10 | Requires maintenance of a minimum qualifying certificate account (12 months or longer/$2,000 minimum) and account holder must be at least 50 years of age. |
Sources (1)
- wsecu.org/resources/consumer-s…gs-rate-and-fee-schedule · captured Oct 4, 2026
Money Mover II
0.04%APY
No longer offered; existing accounts still supported.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upNo longer offered; existing accounts still supported.$2,000 and up | 0.04% | $4 | No longer offered; existing accounts still supported. |
Sources (1)
- wsecu.org/resources/consumer-s…gs-rate-and-fee-schedule · captured Oct 4, 2026
Who can join WSECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Washington State is eligible for membership.
Military, government and schools
- Students at Central Washington University (CWU), The Evergreen State College, University of Washington (UW), or Washington State University (WSU) are eligible for membership.
Family and household
- Anyone related to someone who is eligible for membership is eligible to join.
Membership information collected October 4, 2026.