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)

Contact us at (800) 924-0022 to open a certificate or schedule an appointment at your local WESTconsin Credit Union office.

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.

Certificate Rates

Share Certificates and IRAs

Deposit Amount Basic MVP** Level Silver MVP** Level Gold MVP** Level
Term Compounded Minimum Balance to Open & Earn APY Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*
3 month @Maturity $5,000.00 0.40% 0.40% 0.55% 0.55% 0.75% 0.75%
6 month Monthly $1,000.00 2.00% 2.02% 2.15% 2.17% 2.35% 2.38%
12 month Monthly $1,000.00 2.65% 2.68% 2.80% 2.84% 3.00% 3.04%
18 month Monthly $1,000.00 3.15% 3.20% 3.30% 3.35% 3.50% 3.56%
24 month Monthly $1,000.00 1.90% 1.92% 2.05% 2.07% 2.25% 2.27%
36 month Monthly $1,000.00 2.00% 2.02% 2.15% 2.17% 2.35% 2.38%
36 month Step-Up Monthly $5,000.00 1.75% 1.76% 1.90% 1.92% 2.10% 2.12%
48 month Monthly $1,000.00 2.10% 2.12% 2.25% 2.27% 2.45% 2.48%
60 month Monthly $1,000.00 2.20% 2.22% 2.35% 2.38% 2.55% 2.58%
18 month Fixed Rate IRA Monthly $500.00 3.15% 3.20% 3.30% 3.35% 3.50% 3.56%
60 month Fixed Rate IRA Monthly $500.00 2.20% 2.22% 2.35% 2.38% 2.55% 2.58%
18 month Variable Rate IRA Daily $50.00 4.78% 4.90% 4.78% 4.90% 4.78% 4.90%
12 month Fixed Rate Health Savings Monthly $500.00 2.65% 2.68% 2.80% 2.84% 3.00% 3.04%

*APY = Annual Percentage Yield. Minimum deposit of $1,000 required ($500 if age 16 or younger). Dividends are calculated on a daily balance and credited and compounded monthly. Rates, terms and conditions are subject to change. Early withdrawals and service charges may reduce earnings. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information. 

*Reach Membership Value Pricing (MVP) Level with direct deposit into an active WESTconsin personal checking account and $15,000 in balances for Silver, or $30,000 or a first mortgage real estate loan for Gold.