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West Virginia FCU
West Virginia FCU

Share Rates

Share Accounts

Effective Date: Thursday, April 27th, 2017
TypeMin. Deposit to OpenMin. Balance to Earn APYDividend RateAPY*
Regular Savings $1.00 $100.00 0.05% 0.05%
Christmas Savings $15.00 $15.00 0.15% 0.15%
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the ending principal balance on the account each day. A $1.00 minimum balance must be maintained in your credit union regular shares account to establish membership and retain access to credit union services. Except as specifically described, the following disclosures apply to all of the above accounts.

Checking Accounts

Effective Date: Thursday, April 27th, 2017
TypeMin. Deposit to OpenBal. to Earn APYDividend RateAPY*
Non-Interest Bearing Checking Accounts
Regular Checking $50.00 N/A 0.00% 0.00%
Fresh Start Checking $100.00 N/A 0.00% 0.00%
Interest Bearing Checking Accounts
Gold Checking** $5,000.00 $0.00 to $4,999.99 0.00% 0.00%
    $5,000 to $9,999.99 0.02% 0.02%
    $10,000 and above 0.10% 0.10%
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the ending principal balance on the account each day. A $1.00 minimum balance must be maintained in your credit union regular shares account to establish membership and retain access to credit union services. Except as specifically described, the following disclosures apply to all of the above accounts. **Gold Checking - minimum balance of $500.00 to avoid $5.00 maintenance fee.

Money Market Accounts

Effective Date: Thursday, April 27th, 2017
$5,000.00 Minimum balance to open account.
TieredBal. to Earn APYDividend RateAPY*
Tier 1 $0.00 - $4,999.99 0.00% 0.00%
Tier 2 $5,000.00 - $9,999.99 0.05% 0.05%
Tier 3 $10,000.00 - $24,999.99 0.10% 0.10%
Tier 4 $25,000.00 - $49,999.99 0.15% 0.15%
Tier 5 $50,000.00 and above 0.25% 0.25%
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day. A $1.00 minimum balance must be maintained in your credit union regular shares account to establish membership and retain access to credit union services. Except as specifically described.

Certificates

Effective Date: Thursday, April 27th, 2017
$1,000.00 minimum investment to open account. Bonus rates may be available with a Preferred Relationship.
TermDividend RateAPY*
6 Months 0.25% 0.25%
12 months 0.30% 0.30%
18 Months 0.40% 0.40%
24 Months 0.50% 0.50%
30 Months 0.60% 0.60%
36 Months 0.75% 0.75%
48 Months 0.90% 0.90%
60 Months 1.00% 1.01%
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day. * Dividends pay at maturity for 6 Month Certificate. Please read our Share Certificate Disclosures for more information.

Traditional / Roth IRA Certificates

Effective Date: Thursday, April 27th, 2017
$1,000.00 Minimum investment to open account. Bonus rates may be available with a Preferred Relationship.
TermDividend RateAPY*
12 Months 0.30% 0.30%
24 Months 0.50% 0.50%
36 Months 0.75% 0.75%
48 Months 0.99% 1.00%
60 Months 1.09% 1.10%
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day.

Traditional / Roth IRA Savings

Effective Date: Thursday, April 27th, 2017
$100.00 Minimum to open
FeaturesDividend RateAPY*
$100.00 - $9,999.99 0.05% 0.05%
$10,000.00 and above 0.15% 0.15%
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day. A $1.00 minimum balance must be maintained in your credit union regular shares account to establish membership and retain access to credit union services. Except as specifically described.

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