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 Certificates Rates
| Home of the Great Rate | Account Balance | Term | Rate | APY |
| Savings & IRA Term Certificates | $250+ | 6 Months 12 Months #13 Month Special 24 Months 36 Months 48 Months 60 Months | 0.15% 0.15% 0.26% 0.20% 0.25% 0.30% 0.35% | 0.15% 0.15% 0.26% 0.20% 0.25% 0.30% 0.35% |
# 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. 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.