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
|Savings & IRA***|
(# Minimum for Special $5,000)
|13 Month Special#||2.13% / 2.13%||Calculator|
|6 Months||1.10% / 1.10%|
|12 Months||1.50% / 1.51%|
|24 Months||1.75% / 1.76%|
|36 Months||2.00% / 2.02%|
|48 Months||2.25% / 2.27%|
|60 Months||2.50% / 2.53%|
Members can login to open a Certificate using Online Banking
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.