Earn high interest rates while maintaining liquidity with a High-Yield savings account.
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High-Yield Saving Accounts
Flexible, Higher Interest Savings
Sometimes you have to choose between two exclusive options. If you select a higher interest rate, your money may be restricted for a period of time, or you can get the flexibility of having access to your money at a lower interest rate. With a High-Yield Savings account, you don't have to choose!
Balance growth and liquidity with a High-Yield Savings account.
| ACCOUNT | BALANCE | APY* |
|---|---|---|
| High-Yield Savings1 | < $2,500 | 0.25% |
| $2,500-$24,999 | 0.50% | |
| $25,000-$49,999 | 1.00% | |
| $50,000-$74,999 | 1.40% | |
| $75,000-$99,999 | 2.10% | |
| $100,000 + | 2.40% |
With all High-Yield Savings Accounts you get:
$0 Minimums
You will never be charged a service fee for your account balance. Your balance determines what you earn, not what you pay.
unlimited Transactions
Unlimited deposits or withdrawals.
Access Anywhere
Whether you visit your branch, login online, by app, or give us a phone call, you have constant access to your accounts.
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Savings Account
“Really wonderful service, lots of great opportunities for saving money by using a credit union.”
- Joshua
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Both Everyday Savings and High-Yield Savings accounts offer unlimited deposits with no monthly fees. However, High-Yield Savings accounts typically earn higher interest based on the deposit amount and average daily balance.
No, there is no minimum balance in a High-Yield Savings account - as long as you have at least $5 in an Everyday Savings account, you can maintain any balance in your High-Yield Savings account. However, it is a tiered rate account, please refer to the Consumer Rate Schedule for current rates.
You can check your High-Yield Savings account balance 24/7 by accessing your account through Online Banking or the Mobile App.
For Your
Convenience
Easily access your monthly statements online.
Download the Credit Union West Mobile Banking app to access your account on the go.
Transfer money into your savings, review balances and more.
We are here to serve our members. We want your banking experience to be secure and convenient.
MEMBERS WITH High-Yield Savings accounts ALSO HAVE
Secure money growth at various time and investment tier options.
Free checking account that offers a 6.00% APY* on balances up to $20,000.
*APY=Annual Percentage Yield. APYs are accurate as of 11/1/26.
1High-Yield Savings Accounts use a tiered-rate structure. The Dividend Rate applicable to your Account is determined by your average daily balance. Your average daily balance is assigned to the applicable rate tier, and the Dividend Rate for that tier is applied to the entire average daily balance. Members who meet the qualification criteria may qualify for the higher Dividend Rate applicable to their balance tier. Members who do not meet the qualification criteria will receive the applicable standard Dividend Rate. Please refer to the current Consumer Rate Schedule for information about current Dividend Rates and APYs.
To qualify for the higher Dividend Rate, you must meet all of the following requirements during each calendar month:
- Log in to Online Banking during the calendar month
- Have at least $2,000 in total ACH transactions aross all shares during the calendar month, including incoming and outgoing transactions
- Enroll in eStatements
- Maintain an open checking share
- New accounts automatically qualify during their first calendar month
For details on dividend compounding and accrual, please refer to the High-Yield Savings section of the Truth in Savings Disclosure.
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