Savings Accounts
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Savings Accounts



Options From Wheat State Credit Union

Savings Accounts Options From Wheat State Credit Union - Image of a child holding a piggy bank with the parent's hands securing the child's hands



Regular Share Account

This is your basic savings account. A $25 minimum balance is required to maintain the account and your membership.

Share Certificate Account

Also known as CDs, these accounts are available for terms of 6, 12, 18, 24, 36, 48 or 60 months. Minimum deposit to open is $500. Dividends compound and are paid quarterly. Early withdrawal penalty applies to funds withdrawn before maturity.

Christmas Club Account

Open your Christmas Club account anytime during the year and make deposits through payroll deduction, direct deposit, account transfer, or cash. Then, in November, the money you have saved will be transferred into your regular share account for you to withdraw during the holiday season. Funds withdrawn before the transfer date are subject to an early withdrawal fee. Dividends are declared and paid quarterly and at transfer date.

Money Market Account

Money Market Accounts offer higher earnings than a regular savings account and more flexibility than Certificate of Deposits. Our Money Markets pay dividends monthly and are based on the Average Daily Balance. See our Rate section for Rate Tiers. In-Person withdrawals are unlimited and you receive 6 free Not In-Person withdrawals a month. Minimum deposit to open is $500.

Individual Retirement Account (IRA)

Let us help you plan for your future – we can show you the way to greater financial security with your own Individual Retirement Account (IRA). Even if you are enrolled in a pension plan at work, there are advantages (including tax breaks) to saving for your retirement with an IRA. Call one of our IRA specialists today to get started.