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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

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View Certificate Rate and Fee Schedule

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

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.

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.


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.

Forbes 2023 Best-in-State Credit Unions


* Annual Percentage Yield. Valid through Aug.31, 2024. A penalty may be charged for early withdrawal. See important terms and conditions. † Annual Percentage Yield. APY accurate as of April 1, 2024. A penalty may be charged for early withdrawal. See important terms and conditions.

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