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
Forbes #1
A Forbes Best-in-State Credit Union in Washington 5 years running
A Forbes Best-in-State Credit Union in Washington 5 years running
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
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.
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 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 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 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 a Best-in-State Credit Union in Washington 5 years running. 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.
