Share Certificates

There's a certificate for everyone, find the one that fits your needs.

Looking for a higher rate of return with a secure investment? Share Certificates may be a good fit for you! A share certificate account is similar to a certificate of deposit (CD), but it is issued by a credit union, rather than a bank. Certificates allow you to earn a higher rate of return than a typical savings account, and are available in a variety of terms from 3 to 60 months.

  • Guaranteed rate of return for a fixed period of time
  • Minimum deposit is $1,000 or $5,000 (depending on certificate), or $500 if age 16 or younger
  • Funds insured up to at least $250,000 by the National Credit Union Administration (NCUA)
  • Great dividend rates, which become even better with Membership Value Pricing

At maturity, choose from the following options:

  • Automatically renew principal and dividends for the same term at the prevailing rate at the time of renewal
  • Withdraw dividend earnings and renew principal
  • Reinvest the certificate in another type of investment
  • Cash in the entire certificate (there is a penalty for early withdrawal of funds from the certificate)

Step-Up Certificates

Open a WESTconsin Step-Up Certificate and we'll reward you with special benefits! You'll get a great rate and some flexibility. After your initial $5,000 deposit into this 36-month certificate, you can make additional deposits of at least $1,000 anytime, increase the rate on the certificate one time, and make a one-time withdrawal of up to 50% of the original amount of the certificate without penalty.