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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

Open today

I'm a member: Open account

To open a new Share Certificate:

  1. Sign in to Online Banking on wsecu.org
  2. Click on the "Apply" tab
  3. Select "Share Certificate" from the menu

Login to Online Banking

 I'm not a member: Join WSECU

Not a current member? No problem! Join WSECU and you'll have the option
to open a Share Certificate at the same time.

View Certificate Rate and Fee Schedule

View FAQ

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

Open today

I'm a member: Open account

To open a new Share Certificate:

  1. Sign in to Online Banking on wsecu.org
  2. Click on the "Apply" tab
  3. Select "Share Certificate" from the menu

Login to Online Banking

 I'm not a member: Join WSECU

Not a current member? No problem! Join WSECU and you'll have the option
to open a Share Certificate at the same time.

View Certificate Rate and Fee Schedule

View FAQ

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

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

3.35% APY*

12 Months

3.20% APY*

18-Month Flex-Withdrawal

2.90% APY*

Open today

I'm a member: Open account

To open a new Share Certificate:

  1. Sign in to Online Banking on wsecu.org
  2. Click on the "Apply" tab
  3. Select "Share Certificate" from the menu

Login to Online Banking

 I'm not a member: Join WSECU

Not a current member? No problem! Join WSECU and you'll have the option
to open a Share Certificate at the same time.

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.

Certificate Savings Calculator

Summary

Savings Summary

Starting Balance The initial deposit used to open your certificate. Annual Percentage Yield (APY) The percentage rate reflecting the total amount of dividends paid over a year. Term Length The number of months it takes for the certificate to mature. Starting Balance Dividends Earned Total Saved

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When using the calculator, please remember the dollar amounts displayed aren't guaranteed, and what you actually save may be different. The estimates you receive are for illustrative and educational purposes only. The results of any savings calculator are not intended to be and should not be considered a guarantee of the amount for which you may save.

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.

4 reasons why Share Certificates are a great idea

High yields

Yields are typically higher than
most other savings accounts.

Reliable growth

The value upon maturity can be determined the day the account opens.

Flexible options

Varying term lengths give savers opportunities to choose what works best for them.

NCUA insured

Your deposits are insured to at least $250,000 by the NCUA.

Open Today

I'm a member: Open account I'm a member: Open account I'm not a member: Join WSECU

Why WSECU?

Being a member of Washington’s only Forbes Best-In-State Credit Union five years in a row 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. 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.

Forbes 2025 Best-In-State Credit Unions - 5 Years Running

* Annual Percentage Yield. One penalty-free withdrawal for up to 50% of the balance may be taken on the 18-Month Flex-Withdrawal Certificate during the term. Additional withdrawals may incur a penalty. IRA Certificates are not eligible. Early withdrawals on all other certificates may also incur a penalty. See important Certificate Rate and Fee Schedule for details.

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