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***|
|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|
(100% New Money)
|5.70% / 5.82%|
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.