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 CertificatesTermRate/APYCalculator
Savings & IRA***
(Minimum $250)
(# Minimum for Special $5,000)
13 Month Special#
2.13% / 2.13%
Calculator
6 Months1.10% / 1.10%
12 Months 1.50% / 1.51%
24 Months1.75% / 1.76%
36 Months2.00% / 2.02%
48 Months2.25% / 2.27%
60 Months2.50% / 2.53%

Apply Now

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 = 50% of balance must be new money. Minimum $5,000 to open.  New Money = not on deposit at Western Division FCU.  Certificate Specials cannot be purchased online.  Contact us for deposit options or visit a branch location to open.