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 RateAccount BalanceTermRateAPY
Savings & IRA Term Certificates$250+6 Months
#7 Months Special
12 Months
24 Months
36 Months
48 Months
60 Months
0.15%
0.21%
0.15%
0.20%
0.25%
0.30%
0.35%
0.15%
0.21%
0.15%
0.20%
0.25%
0.30%
0.35%

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.  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.