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 Rate | Account Balance | Term | Rate | APY |
| Savings & IRA Term Certificates | $250+ | 6 Months 12 Months #15 Month Special 24 Months 36 Months 48 Months 60 Months | 0.30% 0.40% 0.75% 0.50% 0.55% 0.60% 0.70% | 0.30% 0.40% 0.75% 0.50% 0.55% 0.60% 0.70% |
Members can login to open a Certificate using Online Banking
-or-
Call Us – we take applications by phone during branch hours (716) 632-9328.
# Certificate Special = 50% of balance must be new money. New Money = not on deposit at Western Division FCU.