Savings

Savings ProductsAccount BalanceRate/APYCalculator
Savings* & IRAs*
(Minimum $5)
$0 - $99
.00% / .00%
Calculator
$100+.15% / .15%
Money Market*$0 - $999
.00% / .00%
Calculator
$1,000 - $50,000.30% / .30%
$50,001 - $100,000.40% / .40%
$100,001 - $200,000.50% / .50%
$200,001+.75% / .75%
Holiday Club**.15% / .15%
Checking.00% / .00%
Term CertificatesTermRate/APYCalculator
Savings & IRA***
(Minimum $250)
(# Minimum for Special $5,000)
7 Month Special#
1.70% / 1.71%
Calculator
6 Months.50% / .50%
12 Months 1.00% / 1.00%
24 Months1.25% / 1.25%
36 Months1.30% / 1.30%
48 Months1.35% / 1.35%
60 Months1.40% / 1.40%

Rates effective 11/01/22. Last dividend declared: 9/30/22.

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. $5,000 minimum to open.

Western Division accepts applications from within our Field of Membership.