Savings Accounts
Saving – a habit that makes change happen.
All members are required to have a minimum of $25 in their share savings account at Western Vista Credit Union. This money represents the member “share” in ownership at the credit union.
- Free notary services
- Mobile banking
- Online banking
- Access to wire services
- Gift cards and travel cards with limited fees
Primary Savings
| Balance | APY* |
|---|---|
| $50-$9,999.99 | 0.05% |
| $10,000-$24,999.99 | 0.15% |
| $25,000-$49,999.99 | 0.15% |
| $50,000+ | 0.30% |
Rates subject to change.
* Annual Percentage Yield
Minimum balance of $25 required to maintain credit union membership.
Rainbow Savings
Bank your money for a rainy day!
This “Pay-Yourself-First” account is an easy, safe, & convenient way to start a good savings habit – you make automatic deposits every month, and have limited access so you’re not inclined to spend it as fast as you save it! It pays higher dividends than your regular share savings account.
- Low $25 minimum monthly automatic deposit required
- 60-day notice for withdrawals without penalty
- Limited to 2 withdrawals per year
- $15 penalty for unscheduled withdrawals
Rainbow Savings
| Account | APY* |
|---|---|
| Rainbow Share | 0.05% |
| Rainbow Roth IRA | 0.05% |
| Rainbow Regular IRA | 0.05% |
| Rainbow Educational IRA | 0.05% |
Rates subject to change.
$25 minimum monthly deposit required.
Dividends paid monthly on average daily balance.
Limited withdrawals.
* Annual Percentage Yield
Money Market
A money market is one of the best savings accounts for accumulating funds for emergency reserves or future investments. It’s also a great way to grow your money without locking it up for an extended period of time.
- Competitive rates paid monthly
- No time frame for maturity
- No penalty for early withdrawal
- Higher dividends paid on higher balances
- Minimum balance of $2,500**
- Insured up to $250,000 by the NCUA
**An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5.
Money Market
| Balance** | APY* |
|---|---|
| $1,000-$14,999.99 | 0.25% |
| $15,000-$24,999.99 | 0.25% |
| $25,000-$74,999.99 | 0.50% |
| $75,000-$99,999.99 | 1.00% |
| $100,000+ | 2.00% |
Rates subject to change.
* Annual Percentage Yield
**An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5.
Liquid Gold
This account is designed to give you the liquidity that you need in times of fluctuating rates, with the interest that meets the needs of investors.
This account allows you to make up to six withdrawals or transfers per month.
This account is insured up to $250,000 by the NCUA.
Liquid Gold Savings
| Balance | APY* |
|---|---|
| <$50,000 | 0.25% |
| $50,000-$99,999.99 | 0.50% |
| $100,000-$249,999.99 | 1.15% |
| $250,000+ | 2.00% |
Rates subject to change.
$100,000 minimum average daily balance to avoid a monthly low balance fee of $15.
Dividends paid monthly on average daily balance.
*Annual Percentage Yield
Horizon Savings
Now, your favorite saver-in-training will have a free savings account all their own to save money from holidays, birthdays, and other special occasions.
This account is for members under the age of 18.
Horizon Savings
| Balance | APY* |
|---|---|
| $0-$2,499.99 | 0.15% |
| $2,500+ | 1.00% |
Rates subject to change.
* Annual Percentage Yield