Savings

Share Savings Account

Your Share Savings Account is part of your membership to Minnequa Works Credit Union. With as little as $25.00 in your account, you will be able to maintain your membership and enjoy all the cost saving benefits that MWCU has to offer.

Certificate of Deposit

For the highest possible return on your savings, CDs are available with terms ranging from three months to five years. Dividends will be compounded and paid quarterly and at maturity. Your Certificate will automatically renew for hassle-free maintenance, unless you instruct us otherwise. There are early withdrawal penalties.
NCUA, the National Credit Union Administration, a US government agency, insures your funds up to $250,000.00

 

Money Market

Our Money Market Account provides you with a high dividend rate, yet still enables the flexibility and liquidity of a Savings Account. You can open your Money Market Account with a minimum of $2500. Dividends accrue and are paid monthly. Jumbo rates are available. Please see current rates.

Christmas Club / Vacation Accounts

Save money for your holiday expenses. You can deposit any amount at any time into your Christmas Club Account. All it takes to establish is a minimum deposit of $25. You can take advantage of payroll deductions to help you systematically build your balance. Your account will earn a competitive dividend rate. Your balance is transferred to your checking account or share account the first week of November.

 

Youth Accounts

 

Checking Accounts

With unlimited check writing, 24 hour ATM/Debit card access and eBill Pay, MWCU’s Checking Account is flexible and convenient. You have the choice to use your account in a way that best fits your lifestyle. Several branch locations give you access to your account in person, and our electronic services give you 24 hour access from your home or anywhere life takes you. No matter what you choose MWCU is here to provide you with traditional check services along with the power of online technology.
  • No minimum balance
  • No monthly service charge
  • E-statements available
  • Unlimited Check writing
  • 24 hour MasterMoney® Debit Card and ATM access
  • Overdraft Protection options
  • 24 hour account access through Tele “Works” and online banking
  • Direct deposit
  • FREE eBill Pay
  • Free Checks for members 60 and over

* MWCU’s ABA/Routing Number is: 307077231 *

Please refer to MWCU’s Membership Booklet, Truth in Savings and Dividend Declaration Disclosure for other specific account information on our Savings and Deposit product.

 

MasterMoney Check Card

Our MasterCard® MasterMoney Check Card works just like a credit card, except the funds come directly out of your Minnequa Works Checking Account and you are not charged interest. When making purchases, instead of writing a check, just present our MasterMoney Card. It’s that simple. You can use it at gas stations, restaurants, hotels, grocery stores, online shopping or anywhere MasterCard® is accepted. It works like an ATM card, too! Use it to make withdrawals, transfers and balance inquiries at all ATMs displaying the PLUS EXCHANGE and MasterCard symbols.

MasterCard SecureCode is a service from MasterCard and Minnequa Works Credit Union that provides added peace of mind when you shop online by providing added protection against unauthorized use of your enrolled card online.

Once you’ve registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode, just like using a PIN at the ATM. When you correctly enter your SecureCode, your card issuer confirms that you are the authorized cardholder and your purchase is completed. No code, no confirmation, no purchase.


If your debit card has been lost or stolen contact our member service department at (719) 544-6928 option #4 during regular business hours. If calling after business hours, our 24 hour hotline can be reached at 800-472-3272.

 

Overdraft Protection

 

Direct Deposit

 

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