Savings & IRA Certificates
Certificates are a safe and secure way to earn competitive dividends on your savings or IRA accounts. Just decide how much and for how long.
- Minimum $250 deposit
- Earn Dividends based on deposit amount and term
- Term range from 6 months to 60 months
- No monthly service charge
- Insured by NCUA
- Dividends compounded daily and paid quarterly
- Certificates qualify for a Patronage Dividend
- Early withdrawal penalties may apply
| Term Certificates | Term | Rate/APY | Calculator |
|---|---|---|---|
| Savings & IRA*** (Minimum $250) (# Minimum for Special $5,000) | 13 Month Special# | 2.13% / 2.13% | Calculator |
| 6 Months | 1.10% / 1.10% | ||
| 12 Months | 1.50% / 1.51% | ||
| 24 Months | 1.75% / 1.76% | ||
| 36 Months | 2.00% / 2.02% | ||
| 48 Months | 2.25% / 2.27% | ||
| 60 Months | 2.50% / 2.53% |
Members can login to open a Certificate using Online Banking
-or-
Call Us at (716) 632-9328 or visit us during branch hours.
# Certificate Special = 50% of balance must be new money. Minimum $5,000 to open. New Money = not on deposit at Western Division FCU. Certificate Specials cannot be purchased online. Contact us for deposit options or visit a branch location to open.