Savings Accounts

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Savings Accounts

Think there's only one type of savings account you can open? Think again. We have options that will help you save the way you want to save, depending on what your goals are. You can also open numerous accounts and name them what you want to focus your savings on such as "Doggy Account", "Italy Vacay", "Timmy’s College Savings" or whatever you need.

Savings Account

Deposit at least $5 to open a main savings account and earn steady dividends on your average monthly balance of at least $50.

Open a new savings account NOW

Money Market Savings

Earn higher rates with your higher balances in this insured and liquid account.

  • No monthly service fee with a minimum daily balance of at least $2,000*
  • Competitive rates with tiers at $50, $2,000, $20,000, $50,000

Open a new Money Market account NOW

See more information on our Money Market account.

Regulation D (Reg 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; or
  • Withdrawals by check, debit card, or similar order.

Funds Availability Policy

Christmas Club Accounts

A Christmas Club Account is the easiest way to save for big expenses — holidays, vacations, taxes, insurance or just a rainy day. This account earns the highest dividend level of our regular savings account. The funds are deposited into your savings account on October 31 for you to spend on your holiday shopping. You cannot withdraw from this account without incurring a $5 fee which helps you refrain from touching your savings.

Kid’s Savings Accounts

Let Western Sun help you show the special kiddos in your life that saving money is fun AND important!

When you open a savings account for a child age 1-12 they will automatically be enrolled in our exclusive club, The Centsables. Opening the account is easy. Please bring the child's social security card or school ID and a minimum $5 opening deposit and they will be on their way!

We want to make it a little more rewarding for the kiddos to save up their pennies, nickels and dimes and bring it in to the credit union. We have a super fun website just for the kids which teaches about savings. We also reward the children who save at least $25 in their account with a movie party every summer. The kids also enjoy a coloring contest every year where we see the future Van Goghs of our era. Click here to learn more.