Spending
Interest Checking: it’s time to put your checking account to work
Let your money do the work for you, and earn up to 0.15% APY* without lifting a finger.
Earn from 0.00%–0.15% APY
The bigger your balance, the better your rate. Earn up to 0.15% APY on your account to help your money grow the easy way.
No monthly minimum deposit required
You never have to stress about making a monthly deposit. Just sit back and watch your money grow.
Earn debit card rewards while you spend
Earn 1 reward point for every $3 of purchases. Rewards include travel, gift cards, cool stuff, and cash back. Check ‘em out.
Get paid up to two days early
Why wait until payday to get paid? Get your paycheck up to two days early with direct deposit.
Interest Checking Benefits and Perks
Debit Rewards — Earn 1 Point for Every $3 Spent*
Early Paycheck: Get paid up to 2 days early with direct deposit**
Apple Pay® / Google Pay™ / Samsung Pay™
Overdraft Protection Services and Courtesy Pay***
Mobile Deposit
Special Member Card Services
Member Account Services
The bigger your balance, the bigger your returns
Daily Balance | APY | Dividend Rate |
|---|---|---|
$50,000+ | 0.15% | 0.150% |
$25,000 - $49,000.00 | 0.10% | 0.100% |
$2,500 - $24,999.99 | 0.05% | 0.050% |
$0 - $2,499.99 | 0.00% | 0.000% |
And now for the fine print
There’s a monthly maintenance fee of $10
Keep a minimum of $2,500.00 in your account
$10 monthly fee if your average daily balance is less than $2,500
All the perks of being a Westerra member
Become a member and get access to all the great things our financial community has to offer.
*Annual Percentage Yield (APY) is accurate as of 7/1/2024. The interest rate and APY may change without notice after the account is opened. Fees may reduce earnings on the account. $5 prime share deposit required for membership. A $25 opening deposit is required for an Interest Checking account.
*Points not earned for cash back, ATMs or PIN based transactions.The requirement needed to receive the dividend rate is $10 monthly fee if your average daily balance is less than $2,500. At Westerra Credit Union, our approach is to help members better manage their accounts by providing money management tools: Click hereWesterra Credit Union is known for fewer fees. Here's our Service Charge and Fee Schedule Visa and the Visa logo are registered trademarks of Visa International Services Association. Apple Pay and the Apple Pay logo are trademarks of Apple Inc. Google Pay and the Google Pay logo are a trademarks of Google Inc. Samsung Pay and the Samsung Pay logo are registered trademarks of Samsung Electronics Co., Ltd.
***Qualified members are automatically enrolled in Opt-IN for ACH and draft checks but are not automatically enrolled for onetime and recurring debit card transactions. Accounts must be brought positive within 30 days of going negative.
