Term$500 Minimum to Open
Dividend RateAPY*
6 Month2.71%2.75%
12 Month2.96%3.00%
18 Month3.05%3.10%
24 Month3.10%3.15%
36 Month3.15%3.20%
48 Month3.20%3.25%
23-Month Promo5.02%5.15%
13-Month New Money* Promo5.40%5.55%

* 13-Month Promo requires a minimum deposit of additional funds (new money) of $10,000.00

Attn: Credit Unions Depositors please contact WCLA Credit Union directly for deposit rates.

Early withdrawal may reduce earnings. Penalties for early withdrawal are calculated as follows:

  • Terms of less than 12 months – 90 days’ dividends
  • Terms of 12 to less than 36 months – 180 days’ dividends
  • Terms of 36 months or more – 365 days’ dividends

The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Share Certificates are automatically renewed at maturity.  The renewal does not observe a grace period. Early withdrawal may reduce earnings.


Deposit AmountDividend RateAPY*
$0.00 to $24,9991.54%1.55%
$25,000 to $49,999 1.64%1.65%
$50,000 to $99,999 1.74%1.75%
$100,000 to $249,999 1.83% 1.85%
$250,000+ 1.98%2.00%
Minimum to Open and Earn APY – $5,000.
Rates Effective 07/01/2023

Other Account Types

Account type Dividend RateAPY*
Share Account ($5 min. balance) 0.25% 0.25%
Children’s Share ($5 min. balance) 0.80% 0.80%
IRA Share Account ($25 min deposit) 1.00%1.00%
Basic Checking (personal) 0.00% 0.00%
50-Plus Checking (personal) (No min. balance) 0.40% 0.40%
Basic Business (business) (No min. balance) 0.25% 0.25%
Deluxe Business Checking (business) Deluxe Business Checking 2022
Dividends calculated and compounded on a daily balance – declared and paid monthly.

Rates are subject to change without notice. Early withdrawal may reduce earnings. Fees may reduce earnings.

Rates last reviewed and effective as of 02/16/2024

Federally insured by the NCUA


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WCLA Credit Union – Your Forest Products Credit Union


Mon – Fri 8am to 5pm
P.O. Box 207
Olympia, Washington 98507