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 | 4.25% / 4.32% | Calculator |
| 12 Months | 4.50% / 4.58% | ||
| 24 Months | 3.50% / 3.55% | ||
| 36 Months | 3.25% / 3.29% | ||
| 48 Months | 3.00% / 3.03% | ||
| 60 Months | 3.00% / 3.03% | ||
| CD Special# | 7 Month Special (Minimum $5,000) (100% New Money) | 5.70% / 5.82% |
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Text or Call Us – we take applications by phone during branch hours (716) 632-9328.
Members can login to open a Certificate using Online Banking
# 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.