Savings

Savings ProductsAccount BalanceRate/APYCalculator
Savings* & IRAs*
(Minimum $5)
$0 - $99
.00% / .00%
Calculator
$100+.10% / .10%
Money Market*$0 - $999
.00% / .00%
Calculator
$1,000 - $50,000.15% / .15%
$50,001 - $100,000.20% / .20%
$100,001 - $200,000.25% / .25%
$200,001+.30% / .30%
Holiday Club**.10% / .10%
Checking.00% / .00%
Term CertificatesTermRate/APYCalculator
Savings & IRA***
(Minimum $250)
10 Month Special#
.37% / .37%
Calculator
6 Months.20% / .20%
12 Months .30% / .30%
24 Months.35% / .35%
36 Months.40% / .40%
48 Months.45% / .45%
60 Months.50% / .50%

Rates effective 8/01/22. Last dividend declared: 6/30/22.

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.

# Certificate Special = 50% of balance must be new money.  New Money = not on deposit at Western Division FCU.

Western Division accepts applications from within our Field of Membership.