Certificates of Deposit
4.00% APY!*
12 month term
A Certificate of Deposit is a risk-free way to earn higher returns. You lock in a fixed interest rate for the term of the deposit, making this an excellent way to guard against a possible decline in interest rates or a loss of principal.
- Just a $500 minimum to open
- Choose a term from 3 months to five years
- Federally-insured funds
- Guaranteed rate of return
- A kind of Goal Savings Account
Want to earn more but have easier access to your funds? Check out our Money Market Accounts here.
Certificates and IRA Certificates Rates
* Rates Accurate As of July 18, 2025
| CD TERM | MINIMUM AMOUNT | APY* |
|---|---|---|
| 3 Month CD | $500.00 | 0.55% |
| 6 Month CD | $500.00 | 1.00% |
| 9 Month CD | $500.00 | 1.00% |
| 12 Month CD | $500.00 | 1.26% |
| 12 Month CD Special* | $500.00 | 4.00% |
| 15 Month CD | $500.00 | 1.26% |
| 18 Month CD | $500.00 | 1.26% |
| 24 Month CD | $500.00 | 1.76% |
| 30 Month CD | $500.00 | 1.76% |
| 36 Month CD | $500.00 | 2.02% |
| 48 Month CD | $500.00 | 1.16% |
| 60 Month CD | $500.00 | 1.31% |
Disclaimer: Penalty for early withdrawal.
*APY is Annual Percentage Yield.
*Corresponding 3.93% APR. Limited time offer. Rates subject to change. A penalty may be imposed for early withdrawal. $5.00 WMCU Savings Account required. Deposits insured to at least $250,000 per individual depositor by the National Credit Union Share Insurance Fund (NCUSIF). The National Credit Union Administration (NCUA) is the independent agency that administers the NCUSIF. Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. Terms and conditions may apply. Offer available for a limited time. Fees could reduce earnings. Jumbo CD ($100,000 plus) rate bumps available. APY is Annual Percentage Yield.
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