Share Certificates
There's a certificate for everyone, find the one that fits your needs.
Looking for a higher rate of return with a secure investment? Share Certificates may be a good fit for you! A share certificate account is similar to a certificate of deposit (CD), but it is issued by a credit union, rather than a bank. Certificates allow you to earn a higher rate of return than a typical savings account, and are available in a variety of terms from 3 to 60 months.
- Guaranteed rate of return for a fixed period of time
- Minimum deposit is $1,000 or $5,000 (depending on certificate), or $500 if age 16 or younger
- Funds insured up to at least $250,000 by the National Credit Union Administration (NCUA)
- Great dividend rates, which become even better with Membership Value Pricing
At maturity, choose from the following options:
- Automatically renew principal and dividends for the same term at the prevailing rate at the time of renewal
- Withdraw dividend earnings and renew principal
- Reinvest the certificate in another type of investment
- Cash in the entire certificate (there is a penalty for early withdrawal of funds from the certificate)
Contact us at (800) 924-0022 to open a certificate or schedule an appointment at your local WESTconsin Credit Union office.
Step-Up Certificates
Open a WESTconsin Step-Up Certificate and we'll reward you with special benefits! You'll get a great rate and some flexibility. After your initial $5,000 deposit into this 36-month certificate, you can make additional deposits of at least $1,000 anytime, increase the rate on the certificate one time, and make a one-time withdrawal of up to 50% of the original amount of the certificate without penalty.
Certificate Rates
Share Certificates and IRAs
Certificate rates as of February 20, 2025
| Deposit Amount | Basic MVP** Level | Silver MVP** Level | Gold MVP** Level | |||||
|---|---|---|---|---|---|---|---|---|
| Term | Compounded | Minimum Balance to Open & Earn APY | Dividend Rate | APY* | Dividend Rate | APY* | Dividend Rate | APY* |
| 3 month | @Maturity | $5,000.00 | 0.40% | 0.40% | 0.55% | 0.55% | 0.75% | 0.75% |
| 6 month | Monthly | $1,000.00 | 4.00% | 4.07% | 4.15% | 4.23% | 4.35% | 4.44% |
| 12 month | Monthly | $1,000.00 | 4.41% | 4.50% | 4.56% | 4.66% | 4.76% | 4.87% |
| 18 month | Monthly | $1,000.00 | 2.05% | 2.07% | 2.20% | 2.22% | 2.40% | 2.43% |
| 24 month | Monthly | $1,000.00 | 2.10% | 2.12% | 2.25% | 2.27% | 2.45% | 2.48% |
| 36 month | Monthly | $1,000.00 | 2.20% | 2.22% | 2.35% | 2.38% | 2.55% | 2.58% |
| 36 month Step-Up | Monthly | $5,000.00 | 1.75% | 1.76% | 1.90% | 1.92% | 2.10% | 2.12% |
| 48 month | Monthly | $1,000.00 | 2.30% | 2.32% | 2.45% | 2.48% | 2.65% | 2.68% |
| 60 month | Monthly | $1,000.00 | 2.40% | 2.43% | 2.55% | 2.58% | 2.75% | 2.78% |
| 18 month Fixed Rate IRA | Monthly | $500.00 | 2.05% | 2.07% | 2.20% | 2.22% | 2.40% | 2.43% |
| 60 month Fixed Rate IRA | Monthly | $500.00 | 2.40% | 2.43% | 2.55% | 2.58% | 2.75% | 2.78% |
| 18 month Variable Rate IRA | Daily | $50.00 | 4.72% | 4.83% | 4.72% | 4.83% | 4.72% | 4.83% |
| 12 month Fixed Rate Health Savings | Monthly | $500.00 | 4.41% | 4.50% | 4.56% | 4.66% | 4.76% | 4.87% |
*APY = Annual Percentage Yield. Minimum deposit of $1,000 required ($500 if age 16 or younger). Dividends are calculated on a daily balance and credited and compounded monthly. Rates, terms and conditions are subject to change. Early withdrawals and service charges may reduce earnings. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information.
**Reach Membership Value Pricing (MVP) Level by maintaining an active WESTconsin Credit Union checking account with a minimum of five posted transactions per month (excluding dividend postings, fee assessments or reversals, and backup withholdings), and a minimum average monthly household loan and/or deposit balance of $15,000 for Silver MVP, and $30,000 or a current first mortgage loan with a balance through WESTconsin Credit Union for Gold MVP.