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
Home of the Great RateAccount BalanceTermRateAPY
Savings & IRA Term Certificates$250+6 Months
8 Months#
12 Months
24 Months
36 Months
48 Months
60 Months
0.65%
1.80%
0.85%
0.95%
1.10%
1.25%
1.45%
0.65%
1.81%
0.85%
0.95%
1.11%
1.26%
1.46%

# Certificate Special = 50% of certificate balance must be new money.  New money = not on deposit with WDFCU.  Offer available 12/01/19 and for a limited time.

Apply Now

Members can login to open a Certificate using Online Banking

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.