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Savings Accounts

If you're looking to earn more on your money, consider one of our savings accounts.

Regular Share Savings Account

  • Our share savings account earns competitive dividends, so the more you save, the more you’ll earn.
  • Competitive rates
  • Automatically set aside savings
  • Low minimum deposit
  • No monthly service fee
  • Easy online access to check balances and transfer funds 24/7/365 with Waterfront@Home online banking, or through our automated phone teller system
  • Direct Deposit of payroll or social security

Save to Win Account

For a limited time, Waterfront Credit Union will start your new Save to Win account with a $25 deposit when you open a qualifying account by September 15, 2026. 
 
That $25 also counts as your first entry into the prize drawings. 

 

How It Works:

  • We'll start your new account with $25
  • Every $25 you save earns you another chance to win cash prizes.
  • Your savings stay in your account while you build your balance.
  • Win monthly, quarterly, and annual cash prizes.

Win Without Risk:

  • It’s like a lottery, but you never lose—your savings stay safe and secure.
  • All winnings are cash prizes, deposited right into your account.
  • You’re automatically entered when you make qualifying deposits—no need to sign up each time.

Why You’ll Love It:

  • Boost your savings effortlessly while having fun.
  • Eligible for monthly, quarterly, and annual prize drawings.
  • Backed by the security of a federally insured credit union (NCUA).

Get Started:

Contact us to open your Save to Win account today and start turning smart savings into exciting possibilities.

High-Yield Savings Account

Looking to earn more on the money you’ve already saved?

Our High-Yield Savings Account continues to offer one of the most competitive rates around—up to 4.07% APY*.

It’s just one of the ways we help your money work harder for you.

Let's Boost Your Balance
Whether you're saving for a dream vacation, a new home, or just building your emergency fund, this account is designed to grow your balance faster than most traditional savings options.

With a strong 4.07% APY*, our High-Yield Savings Account keeps delivering real value for our members day in and day out.

Savings for Both New and Existing Deposits 
You don’t need to bring in money from another institution to benefit. Already a member? Great—this account is available for both new and existing deposits. Every dollar you save with us deserves to earn more, and that’s exactly what this account is built for.

Ready to Grow Your Savings?
Don't miss out on growing your savings with us! Contact us today to open your account and get started.

*Waterfront CU membership eligibility and a qualifying Save to Win account are required. For a limited time, Waterfront CU will make a one-time $25 deposit into new Save to Win accounts opened between August 1 and September 15, 2026. This $25 deposit qualifies as the member’s first entry into the prize drawings. Members earn one (1) entry for each $25 increase in the monthly balance of their qualifying account, calculated on the last calendar day of the month. Odds of winning depend on the number of eligible entries received. No purchase or other action is necessary to enter or win except for making the required deposits. Eligibility restrictions apply. Prizes are non-transferable. Winners of prizes valued at $600 or more will receive an IRS Form 1099-MISC. See Official Rules at waterfrontfcu.org for complete details. Federally insured by NCUA.

 

*APY = Annual Percentage Yield. High-Yield Savings Account qualifications include a $5,000 minimum balance, monthly online/mobile banking login, enrollment in eStatements, & a monthly electronic deposit. APY is tiered based on account balance: Balances $5,000 - $100,000 will accrue at 4.07% APY, and funds over $100,000 will accrue at 2.53% APY. If qualifications are not met, the account will earn the regular share dividend rate. Other rates available based on amount deposited. Rates are subject to change at any time without notice. Membership eligibility required. Federally insured by NCUA. See credit union for full details.

 

How Much Can You Save?

Adjust the inputs to see how much your monthly savings contributions will grow with interest.
Interest Earned
$23,225
 
Total Saved
$64,225
 
Savings Summary
Years Savings Interest Contributed
0 $5,000 $0 $5,000
1 $6,200 $142 $6,342
2 $7,400 $319 $7,719
3 $8,600 $531 $9,131
4 $9,800 $778 $10,578
5 $11,000 $1,062 $12,062
6 $12,200 $1,383 $13,583
7 $13,400 $1,743 $15,143
8 $14,600 $2,142 $16,742
9 $15,800 $2,582 $18,382
10 $17,000 $3,064 $20,064
11 $18,200 $3,587 $21,787
12 $19,400 $4,155 $23,555
13 $20,600 $4,767 $25,367
14 $21,800 $5,425 $27,225
15 $23,000 $6,129 $29,129
16 $24,200 $6,882 $31,082
17 $25,400 $7,685 $33,085
18 $26,600 $8,538 $35,138
19 $27,800 $9,443 $37,243
20 $29,000 $10,401 $39,401
21 $30,200 $11,414 $41,614
22 $31,400 $12,483 $43,883
23 $32,600 $13,609 $46,209
24 $33,800 $14,794 $48,594
25 $35,000 $16,039 $51,039
26 $36,200 $17,346 $53,546
27 $37,400 $18,716 $56,116
28 $38,600 $20,152 $58,752
29 $39,800 $21,654 $61,454
30 $41,000 $23,225 $64,225