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
11 Months#
12 Months
24 Months
36 Months
48 Months
60 Months
0.60%
1.90%
0.80%
0.90%
1.05%
1.20%
1.35%
0.60%
1.92%
0.80%
0.90%
1.06%
1.21%
1.36%

# Certificate Special = 50% of certificate balance must be new money.  New money = not on deposit with WDFCU.  Offer available 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.