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Savings & Investments

The savings habit is one of life’s most important lessons. Let’s work together to develop a plan to help you reach your goals. A tiered rate structure means you earn dividends based on your balance or term.


A great way to strengthen your finances and still maintain access to your money. This account also "establishes" your membership with Western Division.

Sub Savings

Additional Savings accounts that can be opened and customized just for you. Even choose what you would like to call them. Sub Savings are budget-friendly account(s) to help you set aside money for specific goals such as a vacation, taxes or something special.

*Fees may apply, consult the Fee Schedule.

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Money Market

Earn higher dividends than a regular savings account based on your balance with no fixed term or maturity limitations.

  • Earn Dividends on balances of $1000 or greater
  • No monthly service charge
  • Three withdrawals/transfers per month at no charge*
  • Systematic savings with Direct Deposit

*Fees may apply, consult the Fee Schedule.

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Holiday Club

Conveniently save money throughout the year for a financially stress-free holiday season.

  • Establish this account anytime during the year
  • Earn Dividends with first deposit
  • No monthly service charge
  • Balance distributed November 1st
  • No withdrawals allowed without penalty*
  • Automatically renews every year
  • Systematic savings with Direct Deposit

*Fees may apply, consult the Fee Schedule.

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Term Certificates

A safe and secure way to earn competitive dividends based on your term.

  • Minimum $250 deposit to open
  • Earn competitive Dividends
  • Certificate Terms available from 6 months to 60 months

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It’s never too early to start saving for your future.


Offers tax-deferred growth and the potential for tax deductible contributions.

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.