Savings Certificates

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The highest yields for you

Also called Certificates of Deposit (CD), WPCCU savings certificates pays the credit union’s highest dividend rate, compounded daily and paid quarterly. 

They also have the benefit of a wide range of term options, from very short to many years. This makes it easy to stagger, or ladder your investments as it is known by financial professionals, so they don’t all mature at once. Laddering also gives you flexibility to react to changes in the interest rate markets.

You can see the various terms and current WPCCU savings certificate rates below.

Flexible options, low minimum balance requirement 

Just $1,000 is needed to open a WPCCU savings certificate. And you also have the added benefit of using your non-IRA savings certificate as collateral for consumer loans. This means your share certificate has extra value.

Easy open

Your savings certificate can be opened at either a WPCCU branch office, or at 5,000+ CO-OP shared credit union branches nationwide. Find the CO-OP shared branch location nearest you.

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Tiered Rate Savings Certificates

Effective Date: 9/25/2024

Term
Dividend Rate / APY
$1,000 to $9,999.99
Dividend Rate / APY
$10,000 to $49,999.99
Dividend Rate / APY
$50,000 to $98,999.99
Dividend Rate / APY
Balance $99,000 and over
3 months
3.70% / 3.75%
3.70% / 3.75%
3.70% / 3.75%
3.70% / 3.75%
6 months
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
IRA Certificates

Effective Date: 9/25/2024

Term
Dividend Rate / APY
Start Up: $50 to $999
Dividend Rate / APY
$1,000 to $9,999
Dividend Rate / APY
$10,000 to $49,999
Dividend Rate / APY
$50,000 to $98,999
Dividend Rate / APY
Balance of $99,000 and over
3 months
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%

Members can open a 3 month IRA Certificate with as little as $50. Once the balance reaches $1,000, please call 800-300-9728 and ask for an upgrade to a longer term certificate at higher dividends. Early withdrawal subject to penalty.

6 months
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
Flexible Savings Certificate*

Effective Date: 9/25/2024

Term
Dividend Rate
Annual Percentage Yield*
Minimum Balance
Regular 6-months Flex
3.50%
3.55%
$5,000
Sunrise 6-month Flex
0.30%
0.30%
$5,000

*Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.

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