Share Certificates
- Earn 4.60% APY* on a 6-Month Add-On Certificate
- Terms range from 6 to 84 months
- Zero fees — an early withdrawal penalty may be imposed
- Get started with as little as $250
Forbes #1
WSECU - #1 ranked credit union in Washington state for 2023 — Forbes
WSECU - #1 ranked credit union in Washington state for 2023 — Forbes
Put your money to work 24/7
Share Certificates, also known as "certificates," are a type of savings account that lets you lock in a fixed rate for a future return, usually at higher rates than regular savings accounts. How much you'll earn, which is indicated by the APY (Annual Percentage Yield), varies based on the terms.
Special competitive rates
6-Month Add-On
4.60% APY*
(Limited time)
7 Months
4.75% APY†
Open today
Frequently asked questions
Yes. Membership is available to anyone who lives, works, or worships in Washington. Join now.
Share Certificates (certificates) and certificates of deposit (CDs) have a lot in common. Both hold funds for a specified term length and earnings are a fixed percentage. However, share certificates are offered only by credit unions. As cooperatives, credit unions provide certificates as shares in the cooperative, and earnings are paid in the form of dividends. Share certificates are often insured by the NCUA. CDs may be offered by credit unions or banks. Earnings are paid in the form of interest. CDs may be insured by the NCUA or FDIC.
Our limited-time 6-Month Add-On Certificate offers unlimited deposits. Funds cannot be added to other Share Certificates. However, you can open multiple Share Certificates.
Share Certificates automatically renew upon maturity for the same term length unless otherwise specified. If you wish to cash out or open a new certificate with a different term length, select “Change Certificate Maturity Options” in your Share Certificate account in Online and Mobile Banking, or visit your nearest branch for assistance.
Why WSECU?
WSECU membership has its perks. Enjoy favorable rates on everything from credit cards to savings accounts. Insured deposits. A great mobile app. Access to your money from ATMs anywhere in the world. Unparalleled member service. It’s no wonder Forbes ranked WSECU as the #1 Washington state credit union in 2023. And since you’ll be part of a member-owned cooperative that gives 4% of its net income back to your local community, you’ll see the good happening all around you. Every day.
