First Step | WECU

UP TO 2.50% apy*

*Annual Percentage Yield on first $500.
**Restrictions apply.

UP TO 2.50% apy*

*Annual Percentage Yield on first $250.
**Restrictions apply.

Account Type	Standard Dividend Rate¹	Standard APY²	Minimum Opening Balance	Dividends Compounded & Credited	Dividend Period³
First Step Savings⁴	2.50% on first $500	2.50% on first $500	$1	Quarterly	Quarterly
Savings	0.15%	0.15%	$0	Quarterly	Quarterly
Education Savings	0.15%	0.15%	$0	Quarterly	Quarterly
Health Savings	0.05%	0.05%	$0	Quarterly	Quarterly
IRA Savings	0.15%	0.15%	$0	Quarterly	Quarterly

Account Type	Standard Dividend Rate¹	Standard APY²	Minimum Opening Balance	Minimum Daily Balance	Dividend Schedule³	Monthly Fee
First Step Checking⁴	2.50% on first $250	2.50% on first $250	$1	$0	Monthly	$0
Regular Checking	Non-dividend-bearing	Non-dividend-bearing	$0	$0	-	$0
Check Plus	0.05%	0.05%	$0	$1,000	Monthly	$5 if minimum balance is < $1,000
Money Market Checking ($0-$99,999)	0.20%	0.20%	$0	$0	Monthly	$0
Money Market Checking ($100,000+)	0.30%	0.30%	$0	$0	Monthly	$0
SafeCard Checking	Non-dividend-bearing	Non-dividend-bearing	$0	$0	-	$4

YOU(th)x

First Step Checking members get access to our exclusive online community. In YOU(th)x, you can unlock new and exciting challenges, earn points, and redeem them for gift cards at your favorite spots. Open a First Step Checking account today!

Book Appointment

Tools for Success

Start on the Right Foot

First Step accounts are setup for parents to monitor their kid’s saving and spending, without worrying about overdrafts or other slips.

Local Experts

With 9 branches in Whatcom County and a local Contact Center, we are available no matter how you like to reach out. In person, by phone, or online.

Extra Credit

Opening accounts is the first step. Learn more about other ways to plan for your child’s future and beyond.

Access your money any time.

We’ve made banking easier and more convenient by offering a bunch of cool online services in our mobile app.

Learn more

Every journey begins with the First Step.

First Step Savings Rates

First Step Checking Rates

YOU(th)x

Tools for Success

Start on the Right Foot

Local Experts

Extra Credit

Access your money any time.

YOU(th)x

Start on the Right Foot

Local Experts

Extra Credit

Access your money any time.

Please Note

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We are excited to help you on your home ownership journey!