APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.westconsincu.org/rates/savings-rates
Read: 2026-10-22T16:25:54.000Z

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Balance | Dividend Rate | APY*
$5 minimum opening deposit | 0.40% | 0.40%
Balance | Dividend Rate | APY*
No minimum balance to open or earn dividends | 0.10% | 0.10%
Balance | Dividend Rate | APY*
Balance up to $15,000 | 2.00% | 2.02%
Balance more than $15,000 | 0.40% | 0.40%
If qualifications are not met | 0.10% | 0.10%
Balance | Dividend Rate | APY*
Earn dividends each day the balance is $500 and above | 0.10% | 0.10%
Balance | Dividend Rate | APY*
No minimum balance to open or earn dividends | 0.40% | 0.40%
Balance | Dividend Rate | APY*
Balance up to $2,500 | 2.25% | 2.27%
​Balance more than $2,500 | 0.40% | 0.40%
Balance | Dividend Rate | APY*
No minimum balance to open or earn dividends | 0.40% | 0.40%
Balance | Dividend Rate | APY*
No minimum balance to open or earn dividends | 0.40% | 0.40%
Balance | Dividend Rate | APY*
$0 - $9,999.99 | 0.40% | 0.40%
$10,000 and more | 1.25% | 1.26%
Balance | Dividend Rate | APY*
$0 - $9,999.99 | 0.40% | 0.40%
$10,000 - $24,999.99 | 1.25% | 1.26%
$25,000 - $49,999.99 | 1.50% | 1.51%
$50,000 - $99,999.99 | 1.75% | 1.76%
$100,000 and more | 1.90% | 1.92%
Balance | Dividend Rate | APY*
$0 - $24,999.99 | 1.25% | 1.26%
$25,000 and more | 1.90% | 1.92%
Term | Compounded | Minimum Balance to Open & Earn APY | Basic MVP** Level Dividend Rate | Basic MVP** Level APY* | Silver MVP** Level Dividend Rate | Silver MVP** Level APY* | Gold MVP** Level Dividend Rate | Gold MVP** Level APY*
3 Month | @Maturity | $5,000.00 | 0.40% | 0.40% | 0.55% | 0.55% | 0.75% | 0.75%
6 Month | Monthly | $1,000.00 | 2.00% | 2.02% | 2.15% | 2.17% | 2.35% | 2.38%
12 Month | Monthly | $1,000.00 | 3.59% | 3.65% | 3.74% | 3.80% | 3.94% | 4.01%
18 Month | Monthly | $1,000.00 | 3.05% | 3.09% | 3.20% | 3.25% | 3.40% | 3.45%
24 Month | Monthly | $1,000.00 | 3.35% | 3.40% | 3.50% | 3.56% | 3.70% | 3.76%
36 Month | Monthly | $1,000.00 | 2.45% | 2.48% | 2.60% | 2.63% | 2.80% | 2.84%
36 Month Step Up | Monthly | $5,000.00 | 2.00% | 2.02% | 2.15% | 2.17% | 2.35% | 2.38%
48 Month | Monthly | $1,000.00 | 2.55% | 2.58% | 2.70% | 2.73% | 2.90% | 2.94%
60 Month | Monthly | $1,000.00 | 2.65% | 2.68% | 2.80% | 2.84% | 3.00% | 3.04%
18 Month Fixed Rate IRA | Monthly | $500.00 | 2.55% | 2.58% | 2.70% | 2.73% | 2.90% | 2.94%
60 Month Fixed Rate IRA | Monthly | $500.00 | 2.65% | 2.68% | 2.80% | 2.84% | 3.00% | 3.04%
18 Month Variable Rate IRA | Daily | $50.00 | 4.39% | 4.49% | 4.39% | 4.49% | 4.39% | 4.49%
12 Month Fixed Rate Health Savings | Monthly | $500.00 | 2.50% | 2.53% | 2.65% | 2.68% | 2.85% | 2.89%
*APY = Annual Percentage Yield. Dividends are calculated on a daily balance and credited and compounded monthly. Rates are subject to change. Refer to our disclosures and service fees for more information.
Share Certificates and IRAs can be automatically renewed. APY subject to change. Minimum deposit of $1,000 required ($500 if age 16 or younger). Early withdrawal penalty: 90 days dividends on 3-12 month terms, 180 days on 18-24 month terms, 365 days on 36-60 month term, Health Savings Accounts and IRAs. Dividends are calculated on a daily balance, and credited and compounded monthly. Dividend rates and APYs may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings. Rates/APY subject to change.