Share Certificates
- Earn 2.90% APY* with the 18-Month Flex-Withdrawal Certificate
- Terms range from 6 to 84 months
- Zero fees — early withdrawal penalties may be imposed
- Get started with as little as $250
Share Certificates
- Earn 2.90% APY* with the 18-Month Flex-Withdrawal Certificate
- Terms range from 6 to 84 months
- Zero fees — early withdrawal penalties may be imposed
- Get started with as little as $250
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.
18-Month Flex-Withdrawal Certificate
Life doesn't always go according to plan — and your savings should be available when you need it most. Our 18-Month Flex-Withdrawal Certificate offers a competitive rate while giving you the flexibility to access your funds in case of unexpected expenses. Whether it’s a medical bill, car repair or other sudden need, you’ll have the freedom to respond — without sacrificing your savings goals.
- Earn a fixed 2.90% APY* for 18 months
- Maintain flexibility while earning a great rate
- Access up to half your savings without penalty
- Visit your nearest branch or give us a call to request a withdrawal
Special competitive certificate rates
6-Month Add-On
3.50% APY*
7 Months
3.60% APY*
18-Month Flex-Withdrawal
2.90% APY*
Open today
How to choose a Share Certificate term length
Certificates hold funds until their maturity date, which makes them great vehicles for saving. They act like temporary locks on your money so you can’t spend it, all while giving you a great return. Because funds are locked, it’s best to carefully consider the term length and when you’ll have access to your money again.
Short-term certificates are best when:
- You’ll need the funds in the near future.
- You want more flexibility and frequent access to your cash.
Long-term certificates are best when:
- You’re saving for a big purchase that you plan to make in a few years
- You have other emergency funds and are confident you won’t need the money soon.
A third option is to get the best of both worlds by dividing your money between short-term certificates and long-term certificates, creating a certificate “ladder.”
Share Certificate Rates
| Term | APY%* |
|---|---|
| 6-Month |
3.50% |
| 7 months | 3.60% |
| 12 months | 2.50% |
| 13 months | 3.40% |
| 18 months | 2.90% |
| Term | APY%* |
|---|---|
| 24 months | 2.75% |
| 36 months | 2.65% |
| 48 months | 2.50% |
| 60 months | 2.50% |
| 84 months | 2.50% |
Frequently asked questions
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.
You may close your certificate early, but penalty fees may apply. Please call 800.562.0999 or visit your local WSECU branch for assistance.
Our 18-Month Flex-Withdrawal Certificate allows a penalty-free, one-time withdrawal for up to 50% of the balance during the certificate term. Standard penalties apply on other Share Certificates. See Certificate Rate and Fee Schedule for details.
Our 6-Month Add-On Certificate offers unlimited deposits up to an aggregate maximum of $5 million throughout the term. Additional deposits can be made via transfer in Online Banking. You can also stop by any WSECU branch.
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 local WSECU branch for assistance.
Yes. Please call 800.562.0999 or visit your local WSECU branch for assistance.