06/26/2025

Fraudsters are calling.

Fraudsters are spoofing the WCCU phone number (it looks like we're calling you) and posing as our employees. Currently, the are claiming there are fraudulent charges on member's accounts, and requesting members to verify their information. They may also text you about "possible fraudulent transactions" before calling you. They may ask for the last 8 digits of your debit card, expiration date, CVV code and the balance your account. They may attempt to preform a $0.00 authorization before attempting ATM withdrawals with your account. They may also send you a one-time verification code so they can add your card information to a mobile wallet.

Please remember:

  • Our Fraud Monitoring ALWAYS starts with an automated message that lists the suspicious transactions before transferring the call to a representative.
  • WCCU DOES NOT EVER request "verification codes" when speaking to our members over the phone.
  • Your PIN should NEVER be shared with anyone - including WCCU employees.

Don't give out your personal information! If you get a suspicious or unexpected call, please hang up and call us back at our regular phone number- we'll be happy to confirm it's us.

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CDs

Home > Bank > CDs

Certificates of Deposit (CDs)

A certificate of deposit is a time- and term-based savings product. This means that your money will earn interest at the rate you choose for the term/time that you choose. The benefit of a CD is that the annual percentage rate is generally higher than a traditional savings rate. With market fluctuations, interest rates typically change. With a CD, the interest rate is guaranteed for the life of the product.

CD Details

The dividend rate and annual percentage yield (APY) on CD accounts will remain at the rate at which you opened it.

  • You must be or become a member of WCCU.
  • The minimum deposit required to open a CD is $500.
  • Once your CD matures based on the term you chose, your whole principal plus interest earned will transfer into your membership savings and will be available to you.
  • If you need your money earlier than the maturity date, you can withdraw with a small penalty.
  • The National Credit Union Administration, a U.S. Government agency, federally insures savings up to $250,000.00.
  • We've partnered with ESI to offer you an additional $750,000 in share insurance - bringing your total coverage to $1,000,000! 

 

 

View Rates

 

Calculate Your Certificate of Deposit (CD) Value

Use this Certificate of Deposit Calculator to help determine the potential interest growth and tax liability on your Certificate of Deposit.

CD Information

Assumptions

 

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