Share Savings Accounts

Start your journey to endless possibilities with a share savings account at Wheatland FCU. Opening a Share Savings Account with a $5.00 minimum balance and one-time $10.00 membership fee, automatically makes you a member and an owner (shareholder) of Wheatland FCU. WFCU’s Personal Choice Share Savings accounts make endless possibilities a reality.

Share Savings Account

These accounts are the basic savings plan of WFCU. A regular share account is opened at the time someone applies for membership. All members must have a “Regular Share Savings Account” in order to continue membership in WFCU.

• Membership fee to join is $1.00 ages 0 – 17, fee is $10.00 for anyone age 18+.
• A minimum balance of $5.00 is required to open the account.
• All WFCU accounts are insured by NCUA (National Credit Union Administration) up to $250,000.
• Fees may be assessed on these accounts according the parameters of the All-Star Rewards Program.

Share Certificates of Deposit

A means of investing a lump sum for a specific time period. These accounts pay higher interest rates than other regular share savings plans. A penalty is incurred if the funds (or portion of funds) are withdrawn before the maturity date. A minimum balance is required for each certificate based on the term until maturity.

We monitor our local economy and member needs closely to offer competitive deposit rates.

Holiday Club Shares

This club account runs from October 1st of one year to September 30th of the following year. Deposits can be made in any amount and at any time during this period. Early withdrawals are permitted but not encouraged. A fee will be charged for all early withdrawals.

• Open your Holiday Club account at any time. 
• Your Holiday Club will help you save money for shopping, decorating, traveling, or other holiday spending! 
• There is no minimum balance or required contribution schedule.
• You can deposit weekly, bi-weekly, monthly, or however often you like. Holiday Club Accounts mature on Sept 30th and will be deposited on Oct 1st. They will be transferred to either your share savings or share draft checking account. 
• This account cannot be accessed by an ATM or Debit Card. 

Vacation Club Shares

It’s never too early to start saving for your hard-earned vacation! The best way to save for your next vacation or trip is to figure out how much you will need and then start saving with a WFCU Vacation Club Account.

• There is no minimum balance or required contribution schedule. 
• Vacation Club Accounts run from matures March 31st and transferred on April 1st of the following year.
• Deposits can be made in any amount and at any time during this period. You can deposit weekly, bi-weekly, monthly, or however often you like.
• Early withdrawals are permitted but not encouraged. A fee will be charged for all early withdrawals.
• Vacation Club accounts mature on March 31st and are transferred on April 1st. They will be transferred to either your share savings or share draft checking account. 
• This account cannot be accessed by an ATM or Debit Card. 

Personal Choice Share Savings

This account allows members to keep their savings separated. Some uses for this account including:

• Saving for a car, vacation or purchasing a home; or putting aside funds to pay a large bill such as car insurance and taxes. 
• This account falls under the same rules and regulations as the main share account.
• This account cannot be accessed by an ATM or Debit Card. 

WFCU Club Grand Share Savings

Wheatland FCU’s Club Grand Account is open to all members age 55 and older.

• Members must have, or open, a new Share Draft Checking account. In addition to the regular benefits of our Share Draft Checking account, which include no minimum balance requirements and no per check or monthly charge, Club Grand members receive all their checks free of charge.
• Direct deposit is available to your account.
• WFCU Club Grand members often earn higher dividend rates on the account based on the account balance.

Certificates Of Deposit

We offer preferred rates to members willing to keep their savings on deposit for a certain length of time. We constantly monitor our certificate rates so they can be adjusted to be very competitive with other local financial institutions.

Saving Resources

• 10 Tips to Keep Track of Your Investments
• Building Wealth
• Practical Money Guides – complete set
• Banking Basics
• Your Money Your Goals – a financial empowerment toolkit
• Share Insurance Coverage Overview
• NCUA – How Your Account is Insured