Savings & Investments

All shares are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.  For complete share insurance details, please visit NCUA’s website at or view the following brochures:  Your Share Insurance,  How Your Accounts Are Federally Insured, or Share Insurance and You.

Important Information about Procedures for Opening a New Account.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. 

What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.  There are ID requirements when opening an account with us, as well as when any other accounts are added.  We use the Acceptable ID List provided by I9 Form.  You may also refer to the US Patriot Act.



When beginning your membership at WEPCO Federal Credit Union, you must deposit a minimum of $5.00 to your share savings account. To maintain your credit union membership, your $5.00 membership shares must remain on deposit in your share savings account.  The $5.00 will not be available to withdraw unless the entire account is closed. 

Your new "share" savings account provides for access to all the products and services WEPCO Federal Credit Union has to offer, including a vote at our annual membership meeting. 

Membership fee applies.  Dividends are posted quarterly and are subject to change.  A minimum balance of $100.00 is required to earn dividends.  Statements are mailed quarterly, unless you have a checking account, or ACH (auto payments or deposits) transactions, in which case, they are mailed monthly. You can use this account as your main savings account at WEPCO Federal Credit Union or add other savings and investment products.

Accounts for Children


For a child who is one year old or less, or adopted within the year, we offer a Teddy Bear Share Account.  To begin membership, WEPCO Federal Credit Union will make the first $10 deposit and waive the membership fee.  The child will also receive a WEPCO "Teddy Bear" and the added features of our Looney Tune Savings, our children's account.  With permission, the child’s name will appear in our quarterly newsletter. 

No minimum balance requirements to earn dividends.  Dividends are posted quarterly and are subject to change.


For children up to age 12, WEPCO Federal Credit Union offers a Looney Tune Account.   With this account, the child will receive the following Looney Tune themed items:  $10 quarters savings folders, personalized deposit and withdrawal slips, pencil, and account card.  There is a minimum deposit of $5.00 and it must be maintained for the life of the account.

No minimum balance requirements to earn dividends. Dividends are posted quarterly and are subject to change.

Accounts with Purpose


For our members who like to put aside money for a specific reason without restriction, WEPCO offers a separate account from our share savings account called a special savings account. Save for whatever purpose you'd like, such as insurance, taxes, tires, or just set aside money for your bills. 

There is no minimum deposit or balance requirements to open.  Dividends are posted quarterly and are subject to change.  A minimum balance of $100.00 is required to earn dividends.  Statements for this account will be included with the share account statement.


A WEPCO Christmas Club is a little different than most. There are no coupon books and no scheduled monthly deposits required. Simply deposit what you want, when you want.  The maturity date is October 1 every year.  Your Christmas Club will be automatically transferred on that date to your checking account* for your Christmas Shopping adventures! Payroll deduction to your Christmas Club account is a very easy way to save for the holidays.


Just like a WEPCO Christmas Club, we have added a Special Purpose Savings account to help you save for a vacation or special purpose but added a “restriction” to secure the funds for your purpose only!  You set the time frame and maturity date for your transfer when you need the money!

Saving for the Future


WEPCO Federal Credit Union offers two different types of IRA (Individual Retirement Account) product: Traditional and Roth Accounts. For additional information,  Click here for more information.


WEPCO Federal Credit Union offers Coverdale Educational Savings (CES) Accounts. For additional information, For additional information,  Click here for more information.



Our money market accounts provide a higher rate of return with the easiest of terms. Your WEPCO Federal Credit Union money market account must begin with a minimum deposit of $2,500.00.

Transactions are limited as you may not make more than three (3) withdrawals or transfers during a one month statement period, and each must be at least $500.00 or more.  Minimum deposits must be $500 or more to the account and are unlimited.   Payroll deducted deposits can be made at any amount. 

The dividend period is monthly, in which the dividends are calculated and posted.



Our share certificate accounts provide a higher rate of return.  We currently offer a 24 month terms certificate.  Your WEPCO Federal Credit Union share certificate can be opened with a deposit of at least $500.00.   Once your share certificate is opened and your initial deposit is make, no additional deposits can be made.  If the share certificate is closed before the end of the term, a maximum early withdraw penaltiy of 180 days dividends will be deducted from the certificate. 

All share certificates will automatically renew at maturity.  There will be a 10-day grace period to close the renewed certificate after maturity with no penalty. 

The dividend period is compounded monthly and paid quarterly.