| Account Type | APY | Minimum to Open |
|---|---|---|
| Membership Savings | .25% | $5 |
| Special Savings | .25% | NA |
| Smart Savers* (Account balances up to $4,999.99) | 1.51% | NA |
| Smart Savers* (Account balances $5,000 and above**) | .25% | NA |
| WE Care Savings (Account balances up to $4,999.99) | 1.51% | NA |
| WE Care Savings (Account balances $5,000 and above**) | .25% | NA |
| IRA | .50% | NA |
APY = Annual Percentage Yield. Rates and offers are current as of December 1, 2023, and are subject to change without notice. All Deposit Accounts: Non-certificate account rates may change after account opening. Fees or other conditions may reduce the earnings.
* Children under 18
** Account balances over $4,999.99 will receive the base savings rate.
| Term | APY* |
|---|---|
| 3 MONTH | 2.95% |
| 6 MONTH | 3.75% |
| 7 MONTH ** Limited-Time Special ** | 4.40% |
| 12 MONTH | 3.50% |
| 24 MONTH | 3.50% |
| 30 MONTH | 3.40% |
| 36 MONTH | 3.15% |
| 48 MONTH | 3.15% |
| 60 MONTH | 3.15% |
*APY = Annual Percentage Yield. APY will vary based on the daily balance maintained. Rates and offers are current as of June 1, 2025, and are subject to change without notice. A $1,000 minimum opening deposit is required to open any Certificate Account. Early withdrawal penalties apply. Fees may reduce earnings. Additional deposits may be made at any time by visiting a branch in person, calling 405-235-3030, or via transfer inside Online/Mobile Banking.
Membership eligibility is required. All deposits are federally insured by NCUA up to $250,000 per depositor.
Early withdrawal penalty: 1% of the amount withdrawn for terms of 12 months or less; 3% of the amount withdrawn for terms greater than 12 months.
Early withdrawal penalty: 1% of the amount withdrawn for terms of 12 months or less; 3% of the amount withdrawn for terms greater than 12 months.
* * 7-Month Certificate: APY = Annual Percentage Yield. Certificate = Certificate Account. Rates and offers are effective as of 7/25/25, and are subject to change without notice. The 7-Month Certificate Account earns 4.40% APY and will automatically renew at maturity into a standard 6-month Certificate at the prevailing rate at that time. Other terms and rates are available. Additional deposits may be made at any time by visiting a branch in person, calling 405-235-3030, or via transfer inside Online/Mobile Banking. The early withdrawal penalty is based on the terms of your account: 1% of the amount withdrawn for terms of 12 months or less, and 3% of the amount withdrawn for terms greater than 12 months. Membership eligibility is required. A $1,000 minimum opening deposit is required to open any Certificate Account. Fees may reduce earnings. Federally insured by NCUA up to $250,000 per depositor.
High Yield Money Market
$2,500 min to open
How the Blended Rate Structure Works
Our High Yield Money Market Account uses a blended rate structure, which means your balance earns different rates at different levels. As your balance grows, each portion earns a higher rate—so you get rewarded more without losing out on the lower-tier earnings.
Each portion of your balance earns the rate assigned to that tier. Your blended APY is a weighted average based on how much you have in each tier.
This approach helps maximize your earnings as your balance grows.
EXAMPLE: If you deposit $150,000
- First $49,999 earns 1.49%
- Next $50,000 (from $50,000 to $99,999) earns 1.98%
- Remaining $50,001 (from $100,000 to $150,000) earns 2.47%
| Deposit Tier | Rate | APY* | Portion of Balance Earning This Rate |
|---|---|---|---|
| up to $49,999 | 1.49% | 1.50% | Entire balance in this range ($2,500 min. daily balance to earn stated APY) |
| $50,000 to $99,999 | 1.98% | 2.00% | Only the portion between $50,000–$99,999 |
| $100,000 to $249,999 | 2.47% | 2.50% | Only the portion between $100,000–$249,999 |
| $250,000 and greater | 2.96% | 3.00% | Only the portion above $250,000 |
*APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of interest paid on an account based on the interest rate and frequency of compounding over a year. For this account, the interest rate and APY may change at any time as determined by the Credit Union. The stated APY is a blended rate based on the portion of the balance within each tier. Actual APY may vary depending on the total balance in the account. If the $2,500 minimum daily balance is not met, you may not earn the stated APY. We use the daily balance method to calculate interest, applying a daily periodic rate to the principal in the account each day. Rates and offers are current as of 7/1/25, and are subject to change without notice. $2,500 minimum to open. Membership eligibility is required. All deposits are federally insured by NCUA up to $250,000 per depositor.
| Deposit Balance | Rate | APY* |
|---|---|---|
| $100,000 up to $499,999 | 2.85% | 2.89% |
| $500,000 up to $999,999 | 2.87% | 2.91% |
| $1,000,000 up to $4,999,999 | 2.90% | 2.94% |
| $5,000,000 up to $9,999,999 | 2.90% | 2.94% |
| $10,000,000+ | .50% | .50% |
*APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of interest paid on an account based on the interest rate and frequency of compounding over a year. For this account, the interest rate and APY may change at any time as determined by the Credit Union. If the $100,000 minimum daily balance is not met, you will not earn the stated APY. We use the daily balance method to calculate interest, applying a daily periodic rate to the principal in the account each day. Rates and offers are current as of 7/1/25, and are subject to change without notice. $100,000 minimum to open. Membership eligibility is required. All deposits are federally insured by NCUA up to $250,000 per depositor. For more details, visit weokie.org/commercial-policies.
Membership Benefits
In addition to our competitive rates, there are endless benefits to becoming a WEOKIE member. Explore our banking services to learn more.
