Savings

Share Savings

A share savings account is opened for every member when the member joins the credit union.  An initial deposit of $5 is required.  Members can use direct deposit, online transfers or payroll deduction to build their savings accounts.

Money Market

The Money Market account is a tiered, variable rate daily interest account. Funds can be withdrawn up to 3 times per month with no fee.   Withdrawals must be a minimum of $500. The minimum balance in a Money Market account is $2,500.

Certificate of Deposits

Certificates are available in 6, 12, or 24 month terms at a guaranteed rate of interest.  Certificates are not automatically renewed.

Individual Retirement Accounts (IRA)

Traditional IRA and Roth IRA accounts are available. The dividend is paid quarterly.

Super Savers Youth Savings

It's the perfect way to teach a kid to save.  This account is available for kids 0 to 17 years of age.  They will receive a free super hero cape for opening an account and a sticker every time a deposit is made.  Did we mention a great savings rate?  The interest rate is higher to help kids save for their future.  Check out our rate page for updated rates. 

WINcentive® Savings

WINcentive® Savings is a savings account that offers you the chance to win cash prizes from a statewide drawing. WINcentive® Savings offers prize drawing entries in return for every $25 deposited a month (up to 4 entries per month). Prize drawings occur monthly ($100), quarterly ($1,000) and annually ($5,000) – so the more you save, the more chances you have to win! 

Is saving money a challenge? If you are struggling to save, consider the WINcentive® Savings account. You can improve your money habits in a whole new way that actually makes saving FUN. You’ll feel rewarded by watching your savings grow, and experience the excitement of the prize drawings! And unlike playing the lottery, you don't lose anything with WINcentive® Savings. All of the money you deposit into the account is yours.

The maximum deposit per month is $500.  Allowed 2 withdrawals per calendar year.

Open your WINcentive® Savings account today!

Check out the KARE11 news story featuring WMSCU and the WINcentive Savings account:
https://www.kare11.com/article/money/wincentive-savings-accounts/89-201ae783-89f0-4f79-88ec-923813f22655

Holiday Savings

De-stress your holiday season by saving up to $300 per month in a Holiday Savings Account.  Once a year in mid-November, the balance is transfered to your credit union account.  Plus earn more interest than a regular savings account.