Certificates

Make an investment for the future with Wings’ Certificates.

Apply Now

Not a Member? Join Today!

/getmedia/be562c0b 7d75 4cf9 96ff adfac2881fa4/father laying on the floor holding his infant child above his head_480x480

Kick off your savings goals. 9-month certificate, 4.40% APY

Shoot for bigger goals with highly competitive savings rate and brief, 9-month term length. Get started with as little as $500.

  • 9-Month Certificate: 4.40% APY1– New money only2; must be opened in branch, by phone, or chat. 
  • 9-Month Certificate: 4.10% APY1 – New or existing money; open online, in branch, by phone, or chat.

Not a member? Join online or in branch to get this offer.

Sign in to Open

1APY=Annual Percentage Yield; penalty for early withdrawal. Rate effective 10/16/24.

2New money is defined as funds that are not currently deposited in any account at Wings Credit Union.

father and his two sons play soccer in the yard_480x480

A safe, secure investment over a specific term.

Take advantage of a locked in rate and term with certificates from Wings. With terms from three months to five years, our certificates give you a safe, secure investment option.

*Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal.

Find the Right Certificate

9-Month Special - New Money Only1 Dividend Rate Annual Percentage Yield
$500-$99,999.99 4.33% 4.40%
$100,000+ 4.31% 4.40%
9-Month Special2 Dividend Rate Annual Percentage Yield
$500-$99,999.99 4.04% 4.10%
$100,000+ 4.02% 4.10%
24-Month Special - New Money Only1 Dividend Rate Annual Percentage Yield
$500-$99,999.99 3.75% 3.80%
$100,000+ 3.74% 3.80%
24-Month Special2 Dividend Rate Annual Percentage Yield
$500-$99,999.99 3.45% 3.50%
$100,000+ 3.45% 3.50%

Rates effective as of November 4, 2024 and subject to change.
Membership with a $5 Share Account required.
$500 minimum opening balance (unless otherwise noted). Penalty applies for early withdrawal.
Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater.
New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month.
1New deposits only; must be opened in branch or by phone. New money is defined as funds that are not currently deposited in any account at Wings Credit Union.
2New or existing deposits; open online, in branch or by phone.

3 Month Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.95% 0.95%
$10,000- $99,999.99 1.00% 1.00%
$100,000-$249,999.99 1.05% 1.05%
$250,000+ 1.10% 1.11%
6 Month Dividend Rate Annual Percentage Yield
$500-$9,999.99 1.10% 1.10%
$10,000- $99,999.99 1.15% 1.15%
$100,000-$249,999.99 1.20% 1.21%
$250,000+ 1.25% 1.26%
1 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 1.50% 1.51%
$10,000- $99,999.99 1.55% 1.56%
$100,000-$249,999.99 1.60% 1.61%
$250,000+ 1.65% 1.66%
12 Month Add-On1 Dividend Rate Annual Percentage Yield
$25 - $99,999.99 1.45% 1.46%
$100,000+ 1.45% 1.46%
2 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 1.65% 1.66%
$10,000- $99,999.99 1.70% 1.71%
$100,000-$249,999.99 1.75% 1.76%
$250,000+ 1.80% 1.81%
3 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.15% 2.17%
$10,000- $99,999.99 2.20% 2.22%
$100,000-$249,999.99 2.25% 2.27%
$250,000+ 2.30% 2.32%
4 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.35% 2.37%
$10,000- $99,999.99 2.40% 2.42%
$100,000-$249,999.99 2.45% 2.48%
$250,000+ 2.50% 2.53%
5 Year Step-Up2 Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.40% 2.43%
$10,000- $99,999.99 2.45% 2.48%
$100,000-$249,999.99 2.50% 2.53%
$250,000+ 2.55% 2.58%
5 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.55% 2.58%
$10,000- $99,999.99 2.60% 2.63%
$100,000-$249,999.99 2.65% 2.68%
$250,000+ 2.70% 2.73%

Rates effective as of November 4, 2024 and subject to change.
Membership with a $5 Share Account required.
$500 minimum opening balance (unless otherwise noted). Penalty applies for early withdrawal.
Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater.
New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month.
112 Month Add-On – Allows unlimited deposits for the term of the certificate. $25 minimum opening balance.
2Step-Up Certificate - May be stepped-up one time. The step-up rate will be determined by the current 5 year standard term certificate rate and will apply to the remaining term of the certificate.

A certificate account you can build on.

If you're looking for a flexible way to help your savings grow – with the ability to build on it over time – our 12-Month Add-On Certificate might be the perfect solution. Get started with as little as $25 to enjoy a better-than-savings rate, then make deposits in any amount over the certificate term.

Learn More

father and son saving change in a piggy bank_480x480

Start saving on your terms.

Wings’ certificates can help you earn more return on your investment than traditional savings accounts. A certificate could be right for you if you have savings that can be set aside for a period of time without withdrawals. You choose the terms that work best for you, from as little as three months to as long as five years.

Get Started

Woman in nicer casual wear looking at the camera

Common Questions about Certificates

View All FAQs

Is there a grace period for Certificate renewals?

Yes.

Members will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Are there early withdrawal penalties for Certificates?

Yes, depending on the term length of your Certificate, the following penalties will apply:

  • Term less than 24 months = Loss of amount equivalent to 6 months’ dividends (180 days)
  • Term 24 months or greater = Loss of amount equivalent 2 years’ dividends (730 days)

Is my money safe?

Yes, credit union deposits are insured by the National Credit Union Administration (NCUA) per individual up to $250,000. The $250,000 in coverage applies to each share owner, per insured credit union, for each account ownership category. You can also use the NCUA’s Share Insurance Estimator to calculate insurance coverage.

Our team is here to help.

Click the button below to schedule an appointment or fill out the form and our team will contact you directly.

*Indicates a required field

Our experts are here to guide you.

Wings Financial Advisors help our members turn financial plans into reality. Get started today with a complimentary consultation for straightforward, professional advice from the credit union you already know and trust.

Learn about WFA

Find a Branch