Elevate Savings Account
Earn up to 3.75% APY¹ from your savings account
Open an AccountNot a member? Join today and open your Elevate Savings account online!
More flexibility for today.
More earning power for tomorrow.
Whether you’re building toward what’s next or protecting what you’ve earned, Elevate Savings helps your money work harder. And you’ll enjoy access to your funds with no monthly service fees or term commitments. Deposit $10,000+ in new money² and maintain a daily balance of $10,000+ to earn 3.50% APY. Then boost earnings to 3.75% APY with direct deposits of $1,000 or more every 34 days.
Elevated earnings
Earn more with above-average3 savings account dividends.
Everyday flexibility
Enjoy the freedom of no term commitments and full access to funds.
No monthly service fees
Breathe easy — no monthly service fees will chip away at your savings.
Early Pay5
Get eligible paychecks up to 2 days early automatically at no extra cost.
Elevate Savings Overview
| Elevate Savings | |
|---|---|
|
Annual percentage yield (APY) |
Up to 3.75% APY1 |
|
Minimum balance required to open |
$10,000 (new money only)2 |
|
Average daily balance4 to obtain 3.50% APY |
$10,000 |
|
Qualifying direct deposits total every 34 days to maintain 3.75% APY |
$1,000 |
|
Dividend Crediting & Compounding |
Monthly |
1 APY=Annual Percentage Yield. APY accurate as of October 17, 2026 and subject to change. Above are prospective dividend rates for the current period. To obtain the displayed rate, ACH payroll direct deposit(s) totaling $1,000 or more are required in the 34 calendar days preceding the last day of the month. Income earned through self-employment or working an IRS-classified “Gig Economy” job does not qualify as direct deposit. Rate if direct deposit requirement not met: 3.50% APY.
2 Account minimum opening deposit of $10,000 (new money only; defined as funds that are not currently deposited in any Wings Credit Union account). There may be up to a 5 day hold on funds deposited at account opening. Must maintain average daily balance of $10,000 or more to earn disclosed APY.
3 Better than average” is based on a comparison of the Elevate Savings APY to the national average savings account rate published by the Federal Deposit Insurance Corporation (FDIC). As of September 17, 2026, the national average savings account rate was 0.38%, compared to an Elevate Savings APY of 3.50%–3.75%. National average rates are based on FDIC-published data and may change. Elevate Savings APY is subject to change.
4 Average daily balance is calculated by adding your account balance for each day in the qualification period and dividing by the number of days in that period.
Membership with a $5 Share Account required.
5 Early Pay is only available to members with eligible accounts enrolled in direct deposit. Qualifying direct deposits include recurring payroll, government benefit payments or similar deposits via the Automated Clearing House (“ACH”) Network. At our discretion we may make funds from your direct deposit available up to two business days early. Early access to direct deposit funds depends on the timing of the payer’s payment instructions and is not guaranteed. Any funds we don’t make available early will be made available according to our Funds Availability Policy. You remain responsible if any deposit to your account is returned or otherwise uncollected. Early availability may be discontinued at any time. Transaction limits and monthly deposit limits for early processing may apply. Bank-to-bank transfers are not eligible for early payment. Membership required.
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