New Member Bonus
Get up to $600 to bank where you're an owner.
Become a MemberPROMO CODE: OWNIT24 must be used when opening an account online. Apply Now
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Here's how to collect up to $400
Become a Wings member and open a checking account using promo code OWNIT24, then:
Set up recurring direct deposit
Sign up for eDocuments and enroll in Wings digital banking
Shop with your Wings debit or credit card:
Direct Deposit Amount Cumulative payroll direct deposit, must be active on date of promotional payout |
Bonus Payout Bonus will be paid on or around 1/17/2025 as a deposit to your Wings checking account |
$1,500+ | $150 |
$3,500+ | $300 |
$5,000+ | $400 |
Earn an additional $200
After completing Checking Bonus Requirements (above) and opening an additional Wings savings or certificate account within 60 days of membership.
Minimum opening balance $25,000 (new money only)
Available balance must be $25,000+ on 1/31/25
Insured by NCUA.
General Bonus Requirements:
1. One offer per person; valid for U.S. residents only. Must be 18 years or older.
2. Account must be opened between 9/3–10/31/24.
3. Membership with a Share Savings account and $5 minimum opening deposit required; must be opened at the same time as checking account.
4. Online applicants must use promo code “OWNIT24” at account opening.
5. New members and new recipients only:
a. Cannot have been a previous member (owner of a Primary Share account) of Wings Financial Credit Union within 12 months of promotional account application.
b. Cannot have previously received a new account bonus.
6. The maximum amount one member can earn during the promo period is $600, if all requirements are met.
7. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Consult your tax advisor.
8. Not applicable to business accounts and accounts established for estates, benefits, trusts or in a fiduciary capacity.
9. If you do not meet the requirements for this offer, you will not receive the bonus. Disputes regarding promotion requirements must be submitted to Wings Credit Union by 4/7/25 in branch, via phone, or online.
Checking Account Bonus Requirements: Complete General Bonus Requirements (above). Each of the following must be completed using the same checking account within 60 days of account opening:
1. Recurring Qualified Direct Deposit(s) totaling at least $1,500 to earn the $150 bonus, $3,500 to earn the $300 bonus, or $5,000 to earn the $400 bonus.
a. Note, Direct Deposit must also be active on the Bonus Payout Date. “Qualified Direct Deposit” is an Automated Clearing House (“ACH”) automatic and electronic deposit of your salary, pension, Social Security or other regular income into your Wings account deposited as a Pre-arranged Payment and Deposit (“PPD”) entry. Income earned through self-employment or working an IRS-classified “Gig Economy” job does not qualify as a Qualified Direct Deposit. Other electronic deposits or person-to-person payments are not considered a Qualified Direct Deposit.
2. Enroll in Wings digital banking.
3. Enroll in eDocuments.
a. Note, enrollment in eDocuments must also be active on the Bonus Payout Date.
4. Complete at least 5 net PIN or signature-based debit card or credit card transactions over $25 each.
If requirements are met, Checking Account Bonus will be paid by 1/17/25 (“Bonus Payout Date”) as a deposit to the Wings checking account; account must be in good standing (positive balance for the last 30 days).
Savings/Certificate Bonus Requirements:
1. Complete Checking Account Bonus Requirements (above)
2. Open a Wings savings account OR certificate account with minimum opening balance of $25,000 within 60 days of membership opening date.
a. Note, IRA accounts excluded. New deposits only; must be opened in branch or by phone. Must have a minimum available balance of $25,000 on 1/31/25 to earn $200 bonus.
If requirements are met, Savings/Certificate Bonus will be paid by 2/7/25 as a deposit to the Wings checking account; account must be in good standing (positive balance for the last 30 days).
Checking Account Rates
First Class Checking Account | Dividend Rate | Annual Percentage Yield |
---|---|---|
First Class Checking Account | 0.01% | 0.01% |
High-Yield Checking Account |
---|
If Requirements are Met | Dividend Rate1 | Annual Percentage Yield |
---|---|---|
On the first $25,000 | 3.00% | 3.04% |
Amounts over $25,000 | 0.01% | 0.01% - 3.04% |
If Requirements are Not Met | Dividend Rate1 | Annual Percentage Yield |
---|---|---|
All Balances | 0.01% | 0.01% |
Student Spend Account | Dividend Rate | Annual Percentage Yield |
---|---|---|
Student Spend Account | 0.01% | 0.01% |
Rates effective as of September 7, 2024 and subject to change. Fees may reduce earnings.
1High-Yield Checking Requirements: ACH direct deposit(s) of at least $300, eDocuments enrollment & 15 net PIN or signature-based debit transactions over $5 each in the 34 calendar days preceding the last business day of the month.
Savings Account Rates
Savings Accounts | Dividend Rate | Annual Percentage Yield |
---|---|---|
Share Savings1 | 0.15% | 0.15% |
Money Manager | 0.15% | 0.15% |
IRA Share Account | 0.15% | 0.15% |
Holiday Club | 0.15% | 0.15% |
Platinum Plus Savings Account | Dividend Rate | Annual Percentage Yield |
---|---|---|
Platinum Plus Savings - New Money Only | Up to 4.65% | Up to 4.75%* |
High-Yield Savings Account (also available as an IRA) | Dividend Rate | Annual Percentage Yield |
---|---|---|
$0 - $9,999.99 | 0.10% | 0.10% |
$10,000 - $49,999.99 | 1.30% | 1.31% |
$50,000-$249,999.99 | 1.45% | 1.46% |
$250,000 - $999,999.99 | 1.55% | 1.56% |
$1,000,000 - $4,999,999.99 | 2.00% | 2.02% |
$5,000,000+ | 3.00% | 3.04% |
Wings Investment Money Market Account (also available as an IRA)1 | Dividend Rate | Annual Percentage Yield |
---|---|---|
Less than $5,000 | 0.00% | 0.00% |
$5,000- $49,999.99 | 0.15% | 0.15% |
$50,000- $99,999.99 | 0.20% | 0.20% |
$100,000 and greater | 0.25% | 0.25% |
Rates effective as of September 7, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.
1Share Savings Account: Minimum balance to open Share Account - $5
*ACH direct deposit(s) totaling over $300 required to obtain the displayed rate. If requirement is not met, the rate will be 0.25% lower.
ACH direct deposit = One or more ACH deposit totaling over $300 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.
Platinum Plus Savings rate without direct deposit: 4.50% APY.
Platinum Plus Savings requires a minimum opening balance of $25,000 (new deposits only); must maintain an average daily balance of $25,000 to earn the disclosed APY.
1Wings Investment Money Market Account: Minimum balance to open Wings Investment Money Market and Wings IRA Investment Money Market—$5,000;
Certificate Special Rates
7-Month Special - New Money Only1 | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$99,999.99 | 4.92% | 5.01% |
$100,000+ | 4.90% | 5.01% |
7-Month Special2 | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$99,999.99 | 4.63% | 4.71% |
$100,000+ | 4.61% | 4.71% |
24-Month Special - New Money Only1 | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$99,999.99 | 3.95% | 4.01% |
$100,000+ | 3.94% | 4.01% |
24-Month Special2 | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$99,999.99 | 3.66% | 3.71% |
$100,000+ | 3.65% | 3.71% |
Rates effective as of September 6, 2024 and subject to change. Membership with a $5 Share Account required. Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal. Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater. New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month. 1New deposits only; must be opened in branch or by phone. 2New or existing deposits; open online, in branch or by phone.
Certificate Rates
3 Month | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 0.95% | 0.95% |
$10,000- $99,999.99 | 1.00% | 1.00% |
$100,000-$249,999.99 | 1.05% | 1.05% |
$250,000+ | 1.10% | 1.11% |
6 Month | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 1.10% | 1.10% |
$10,000- $99,999.99 | 1.15% | 1.15% |
$100,000-$249,999.99 | 1.20% | 1.21% |
$250,000+ | 1.25% | 1.26% |
1 Year | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 1.50% | 1.51% |
$10,000- $99,999.99 | 1.55% | 1.56% |
$100,000-$249,999.99 | 1.60% | 1.61% |
$250,000+ | 1.65% | 1.66% |
12 Month Add-On1 | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500+ | 1.45% | 1.46% |
2 Year | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 1.65% | 1.66% |
$10,000- $99,999.99 | 1.70% | 1.71% |
$100,000-$249,999.99 | 1.75% | 1.76% |
$250,000+ | 1.80% | 1.81% |
3 Year | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 2.15% | 2.17% |
$10,000- $99,999.99 | 2.20% | 2.22% |
$100,000-$249,999.99 | 2.25% | 2.27% |
$250,000+ | 2.30% | 2.32% |
4 Year | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 2.35% | 2.37% |
$10,000- $99,999.99 | 2.40% | 2.42% |
$100,000-$249,999.99 | 2.45% | 2.48% |
$250,000+ | 2.50% | 2.53% |
5 Year Step-Up2 | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 2.40% | 2.43% |
$10,000- $99,999.99 | 2.45% | 2.48% |
$100,000-$249,999.99 | 2.50% | 2.53% |
$250,000+ | 2.55% | 2.58% |
5 Year | Dividend Rate | Annual Percentage Yield |
---|---|---|
$500-$9,999.99 | 2.55% | 2.58% |
$10,000- $99,999.99 | 2.60% | 2.63% |
$100,000-$249,999.99 | 2.65% | 2.68% |
$250,000+ | 2.70% | 2.73% |
Rates effective as of September 6, 2024 and subject to change.
Membership with a $5 Share Account required.
Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal.
Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater.
New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month.
112 Month Add-On – Allows unlimited deposits of $50 or more for the initial term of the certificate.
2Step-Up Certificate - May be stepped-up one time. The step-up rate will be determined by the current 5 year standard term certificate rate and will apply to the remaining term of the certificate.