Savings Account
Earn competitive interest, set financial goals, and watch your money grow — with the security and flexibility you deserve.
A Savings Account That Works as Hard as You Do
The Whitestone Trust Credit Union Savings Account is designed to help you build financial security over time. With competitive interest rates that compound daily, your money grows steadily — whether you are saving for a major purchase, building an emergency fund, or planning for the future.
Open a savings account with as little as $100 and start earning interest from day one. Link it to your current account for seamless transfers, and set up automated deposits to make saving effortless.
Why Choose Our Savings Account
Three core benefits that set our savings account apart.
Earn Competitive Interest
Interest is calculated daily and credited to your account monthly. The more you save, the more you earn. Rate tiers reward higher balances with better returns, giving you an incentive to grow your savings consistently.
Set Savings Goals
Define up to five separate savings goals within your account — such as a vacation fund, home deposit, or education savings. Track your progress for each goal through the online dashboard with visual progress indicators.
Automated Deposits
Schedule recurring transfers from your current account on a weekly, bi-weekly, or monthly basis. Set it once and let your savings grow automatically — no manual effort required.
Everything Included With Your Savings Account
Low Minimum Balance
Open your account with just $100. Maintain a minimum balance of $100 to keep your account active and avoid any service charges.
Daily Compounding
Interest accrues daily on your full balance and is paid monthly. Every day your money stays in the account, it earns for you.
Account Linking
Connect your savings account to your current account for instant transfers. Move money between accounts in seconds through the online portal.
Deposit Insurance
Your savings are protected by deposit insurance up to the maximum coverage limit, giving you complete peace of mind.
How to Open a Savings Account
A simple process that puts you on the path to financial growth.
Choose Savings
Select the Savings Account option from our account types. Review the interest rates and features.
Register Online
Complete the secure online application with your personal details in about 5 minutes.
Verify Identity
Upload your government-issued ID and proof of address for KYC verification.
Fund and Grow
Make your opening deposit of $100 or more and start earning interest immediately.
What You Need to Open a Savings Account
Valid ID Document
Passport, national ID, or driver's license. Must be current and not expired.
Proof of Address
Utility bill or bank statement from the last 3 months showing your current residential address.
Opening Deposit
A minimum opening deposit of $100 to activate your account and begin earning interest.
Email Address
A valid email for e-statements, interest notifications, and account-related communications.
Frequently Asked Questions
Common questions about our savings accounts.
Our savings account offers a competitive variable interest rate. The rate is tiered based on your balance: 1.50% APY for balances up to $10,000, 2.00% APY for balances between $10,000 and $50,000, and 2.50% APY for balances above $50,000. Interest is calculated daily and credited monthly. Please visit our rates page or contact customer service for the most current rates, as they are subject to change.
The savings account has no monthly maintenance fee. You are allowed up to 5 free withdrawals or transfers per statement cycle. Additional withdrawals beyond this limit incur a fee of $3.00 per transaction. There are no charges for deposits, online banking, or receiving e-statements. A full fee schedule is available on our website.
Yes. You can schedule recurring automatic transfers from your linked current account on a weekly, bi-weekly, or monthly basis. Simply log into your online banking dashboard, navigate to the transfers section, and set up your preferred schedule and amount. You can modify or cancel automated transfers at any time.
Yes. Your savings account is fully accessible through our online banking platform and mobile app. You can view your balance, track interest earnings, transfer funds, set savings goals, and download statements — all from your computer or mobile device, 24 hours a day.
Yes, you can withdraw funds from your savings account at any time. However, to encourage consistent saving, the account allows up to 5 free withdrawals per statement cycle. Withdrawals beyond this limit are subject to a small transaction fee. There is no limit on the number of deposits you can make.
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Start Growing Your Savings Today
Open a savings account in minutes and earn competitive interest from day one. Set your goals and let your money work for you.