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Deposit Rates

Western Sun is here to serve you with competitive deposit rates that put you one step closer to your goals. Whether you’re saving for your first home or maybe your next vacation, we provide great returns on your savings so you can reach your goals even faster.

Saving Accounts

Savings Accounts1Dividend RateAPY*
$50 - $4,999.05%.05%
$5,000 - $9,999.10%.10%
10,000 - $39,999.20%.20%
$40,000 and up.30%.30%
Christmas Club Savings Account.30%.30%
Kasasa Saver5Dividend RateAPY*
On balances up to $25,0001.00%1.00%
On balances over $25,000.50%.50%
All balances if qualifications not met.05%.05%

Money Market

Money Market3Dividend RateAPY*
$50 - $1,999.99.20%.20%
$2,000 - $19,999.99.30%.30%
$20,000 - $49,999.99.50%.50%
$50,000 and above.60%.60%

Certificates & IRAs

Certificates & IRAs4
Effective 10/30/2020
Dividend RateAPY*
Regular ($1,000 Minimum)
6 month Certificate.55%.55%
12 month Certificate & IRA.65%.65%
18 month Certificate.70%.70%
24 month Certificate & IRA.75%.75%
36 month Certificate & IRA.80%.80%
48 month Certificate & IRA.85%.85%
Jumbo ($95,000 Minimum)
6 month Jumbo Certificate.60%.60%
12 month Jumbo Certificate & IRA.70%.70%
18 month Jumbo Certificate.75%.75%
24 month Jumbo Certificate & IRA.80%.80%
36 month Jumbo Certificate & IRA.85%.85%
48 month Jumbo Certificate & IRA.90%.90%

*APY = Annual Percentage Yield. Rates subject to change weekly.

1 Share (Savings) rates declared by board on 11/19/2020 for December, effective 12/01/2020, payable 12/31/2020. Savings account dividends are paid monthly on a daily ending balance of at least $50.

2 Share Draft (Checking) rates declared by board on 11/19/2020 for December, effective 12/01/2020, payable 12/31/2020. Checking Account dividends are paid monthly on a minimum $500 daily ending balance. Fresh Start Checking Account does not receive dividends. Fees incurred on a Money Market or Checking account may reduce the earnings on the account.

3 Money Market dividends are paid at the end of the month on your daily ending balance according to our balance tier. Money Market Rate may be changed monthly. Fees incurred on a Money Market account may reduce the earnings on the account.

4 All early withdrawals may result in up to a 90 days loss of dividends. Rates subject to change weekly. Fees may reduce the earnings if an early withdrawal is made.

5 Kasasa Saver Qualifications – Complete the following transactions and activities each monthly qualification cycle in your Kasasa Cash/Cash Back checking account: have at least 12 debit card purchases post and settle, have at least one direct deposit or an ACH credit/debit, and be enrolled in and agreed to receive e-statements rather than paper statements. Rates on this account are variable and may change. Click HERE to view monthly qualification cycles.

Checking Accounts

Checking Account1Dividend RateAPY*
Free Checking.05%.05%
Teen Checking.05%.05%
Kasasa Cash5Dividend RateAPY*
On balances up to $25,0002.23%2.25%
On balances over $25,000.20%.20%
All balances if qualifications not met.05%.05%

Regulation D (Reg D)

Regulation D is a federal law that limits the number of transfers and withdrawals that can be made from an interest bearing account (Savings, Money Market) to a Checking Account or to a third party. Reg D imposes a limit of six transfers or withdrawals, or a combination of such transfers and withdrawals, to another account at the same credit union or to a third party during a calendar month or statement cycle by means of the following types of transactions:

  • Preauthorized or automatic withdrawals
  • Telephone transfers
  • Transfers initiated by personal computer
  • Withdrawals by check, debit card, or similar order

Open a New Savings Account Today!

Thank you for choosing Western Sun Federal Credit Union for your financial needs. Please click the button below to open a savings account.