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)
6 Months4.00% / 4.06%Calculator
12 Months4.00% / 4.06%
24 Months 3.75% / 3.80%
36 Months3.50% / 3.55%
48 Months3.25% / 3.29%
60 Months3.25% / 3.29%

Apply Now


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.