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) | 6 Months | 2.50% / 2.52% | Calculator |
| 12 Months | 3.50% / 3.55% | ||
| 24 Months | 3.25% / 3.29% | ||
| 36 Months | 3.25% / 3.29% | ||
| 48 Months | 3.25% / 3.29% | ||
| 60 Months | 3.25% / 3.29% | ||
| CD Special# | 7 Month Special (Minimum $5,000) (100% New Money) | 5.07% / 5.19% |
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 = New Money = not on deposit at Western Division FCU. Compliance will be monitoring ‘new money criteria’ if suspicious activity is found – the CD Special will be at risk to be closed. Certificate Specials cannot be purchased online. Contact us for deposit options or visit a branch location to open. Available for a limited time.