WCCU Credit Union (WI) Offers Competitive Rewards Checking Account


Deal Summary: Awards Checking, 2.50% APY, on qualifying balances up to $20k.

Availability: 13 Wisconsin counties.

WCCU Credit Union’s (WCCU) rewards checking account, Awards Checking, has been part of the product line for more than eleven years. Awards Checking currently earns 2.50% APY on qualifying balances up to $20k. Qualifying balances greater than $20k earn 0.25% APY, with non-qualifying balances earning 0.10% APY.

The 2.50% APY has been in effect for nearly a year. Since DA began tracking the Awards Checking, there have been seven rate decreases and three rate increases, with APYs ranging between 3.55% and 1.75%.

The monthly qualification requirements include,

  • At least 15 debit card transactions
  • Be enrolled in online banking and receive monthly e-Statements
  • At least one monthly direct deposit or at least one automated transfer (ACH debit or credit, Payroll Credit, or recurring auto¬matic transfer to loan or savings from checking)

The Awards Checking account has no minimum balance requirement, no monthly service fee, and no minimum opening deposit requirement. Nationwide ATM fees will be reimbursed up to $10 per month, if qualifying requirements are met. Unlimited checking writing is available and a free debit card will be issued following account opening. There is a limit of one account per Social Security number.


Headquartered in Westby, Wisconsin, WCCU Credit Union’s field of membership (FOM) is community-based, with individuals who live, work, attend school, or own real estate in any of the following Wisconsin counties eligible to join.

Adams, Columbia, Crawford, Grant, Iowa, Juneau, La Crosse, Marquette, Monroe, Richland, Sauk, or Vernon.

Any employee, member or patron of any cooperative operating in any of the above-mentioned counties also qualify for membership.

Individuals who live or work in Dane County, as well as employees, members, or patrons of any cooperative operating in Dane County are eligible to join.

Those with immediate family members who are membership-eligible qualify for membership, no matter where they live. “Immediate family members” are defined in this instance as “spouse, parents, stepchildren and children.”

Joining WCCU and/or opening an Awards Checking account can be done at any of ten Wisconsin branches, which are located in Baraboo, Cashton, Coon Valley, Lake Delton, Prairie du Sac, Reedsburg, Richland Center (2), Viroqua, and Westby or by calling any of the branch locations.

A $5 deposit opens your Member Savings account at WCCU. Your first $5 is a share in the credit union and makes you a member/owner.

$1.00 monthly service charge if balance falls below $50.00 at any time during the month.

Credit Union Overview

WCCU Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 1.43% (excellent) based on June 30, 2021 data. In the past year, WCCU has increased its total non-brokered deposits by $90.33 million, an excellent annual growth rate of 17.82%. Please refer to our financial overview of WCCU Credit Union (NCUA Charter # 67208) for more details.

Established in 1939, WCCU Credit Union was originally known as Westby Cooperative Credit Union. The founding members were the dairy farmer-owners of Westby Creamery Cooperative, which was established in 1903. Currently the 17th largest credit union headquartered in Wisconsin, WCCU Credit Union has more than 37,000 members and assets in excess of $723 million.

How Awards Checking Compares

When compared to the High Yield Rewards Checking Accounts tracked by DepositAccounts.com that are available within the FOM and have maximum qualifying balances of at least $20k, WCCU Credit Union’s Awards Checking APY currently ranks second.

The above information and rates are accurate as of 10/18/2021.

To search for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Madison checking accounts, La Crosse checking accounts, reward checking accounts

High-Yield Reward Checking Account at Westby Co-op Credit Union in WI - Local Only

Westby Co-op Credit Union is offering a high-yield reward checking account called Awards Checking. It offers the following rates and features if certain monthly requirements are met (as of 4/05/2010):

  • 3.55% APY on balances up to $30,000
  • 1.00% APY on portion of the balance over $30,000
  • 0.25% base rate if requirements are not met
  • Refunds of ATM fees (up to $10/month)

Monthly requirements include:

  • 10 signature based CheckMate transactions
  • 1 Direct Deposit or 1 automated transfer
  • Log onto online banking
  • Receive e-statements

Other features include:

  • No minimum balance required
  • No monthly service charge

Membership is open to those who live or work in...

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