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Share Certificates

Special competitive rates

7 Months

4.75% APY*

13 Months

4.50% APY*

Open today

Open today

Put your money to work 24/7

Share Certificates are a type of savings account that let you lock in a fixed rate for a future return, usually at higher rates than regular savings accounts.

How much you’ll earn, known as the APY (Annual Percentage Yield), varies based on the terms. Choose from short run, long haul, or everywhere in between.

It’s easy and there are no fees. Simply deposit a minimum of $250 and pick your terms. Then sit back, relax and watch the savings roll in.

  • Terms ranging from 6 to 84 months
  • Zero fees — an early withdrawal penalty may be imposed
  • Get started with as little as $250
  • Federally insured by NCUA

Open today

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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.

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Why choose WSECU?

A Share Certificate account from WSECU means membership in a not-for-profit credit union that’s driven by members and dedicated to their financial well-being. From today’s small transactions to tomorrow’s big financial goals, we'll be there for you.

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.

No. Funds cannot be added to Share Certificates once they’ve been created. 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.


* Annual Percentage Yield. APY accurate as of October 18, 2023. A penalty may be charged for early withdrawal. See important terms and conditions.

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