ATTENTION: WFCTFU offices will be closed for Memorial Day on Monday, May 29, 2017.

Deposit Rates

The Dividend Rates and corresponding Annual Percentage Yields
disclosed below are subject to change without notice.

Master Share Savings
Effective April 1, 2017 Dividend Rate APY
  0.29% 0.30%
Dividends are compounded daily and paid monthly.  Members must maintain a minimum daily balance of $100 to obtain the disclosed annual percentage yield.  If a balance of less than $100 is maintained, there is no penalty, but dividends are not paid on the account.
Sub Share Savings
Effective April 1, 2017 Dividend Rate APY
  0.29% 0.30%
Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account.  
Share Draft/Checking
Effective April 1, 2017 Dividend Rate APY
  0.29% 0.30%
Dividends are compounded daily and paid monthly.  The Share Draft account earns dividends on balances over $250.  If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account.  There are no per transaction or minimum balance fees charged.  Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means are charged $25.  The fee to stop payment on a draft is $20.  First box of checks is free to members.  Members purchase their own checks after the first box.  
Term Share Certificates (CDs)
Effective April 1, 2017 Term Dividend Rate APY
  3 Month 0.299% .30%
  6 Month 0.299% .30%
  9 Month 0.299% .30%
  12 Month 0.499% .50%
  18 Month 0.598% .60%
  24 Month 0.747% .75%
  36 Month 0.995% 1.00%

Dividends are compounded monthly and paid monthly or on maturity.  Minimum balance of $1,000 is required to open and maintain a certificate account.  Once a certificate is opened, no additions can be made until maturity.  Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate. 

Holiday Club
Effective April 1, 2017 Dividend Rate APY
  0.29% 0.30%
Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account. 
Money Market
Effective April 1, 2017 Dividend Rate APY
  0.44% 0.45%
Dividends are compounded daily and paid monthly.  Dividends are earned on balances over $2,500.  If a balance of less than $2,500 is maintained, there is no penalty, but dividends are not paid on the account.