Savings

Savings ProductsAccount BalanceRate/APYCalculator
Savings* & IRAs*
(Minimum $5)
$0 - $99
.00% / .00%
Calculator
$100 - $5,000.25% / .25%
$5,001 - $20,000.25% / .25%
$20,001 - $50,000.25% / .25%
$50,001+.25% / .25%
Money Market*$0 - $999
.00% / .00%
Calculator
$1,000 - $50,0000.75% / 0.75%
$50,001 - $100,0001.00% / 1.00%
$100,001 - $200,0001.25% / 1.25%
$200,001+1.50% / 1.51%
Holiday Club**.25% / .25%
Checking.00% / .00%
Term CertificatesTermRate/APYCalculator
Savings & IRA***
(Minimum $250)
6 Months3.75% / 3.80%Calculator
12 Months3.50% / 3.55%
24 Months 3.25% / 3.29%
36 Months3.00% / 3.03%
48 Months3.00% / 3.03%
60 Months3.00% / 3.03%
9 Months #4.30% / 4.37%New Money - $5,000 Minimum Deposit
11 Months #4.80% / 4.89%New Money - $100,000 Minimum Deposit

Rates effective 6/01/25. Last dividend declared: 3/31/25.

APY = Annual Percentage Yield
Dividends are calculated using a daily balance method and are credited and compounded quarterly unless otherwise noted.
*The dividend rate and APY may change monthly as determined by the Board of Directors. Other fees, withdrawals or conditions may apply and reduce APY.
**Dividends are calculated using a daily balance method and are credited annually and not compounded.
***Penalties may be imposed for early withdrawal and reduce the APY. Other fees, withdrawals or conditions may apply and reduce the APY. Insured by NCUA

# 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.

Western Division accepts applications from within our Field of Membership.

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