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Certificates

Make an investment for the future with Wings’ Certificates.
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    A safe, secure investment over a specific term.

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

    Find the Right Certificate

    Certificates (Share and IRA) Dividend Rate Annual Percentage Yield
    3 Month
    $500-$9,999.99 0.35% 0.35%
    $10,000- $99,999.99 0.40% 0.40%
    $100,000-$249,999.99 0.45% 0.45%
    $250,000+ 0.50% 0.50%
    6 Month
    $500-$9,999.99 0.50% 0.50%
    $10,000- $99,999.99 0.55% 0.55%
    $100,000-$249,999.99 0.60% 0.60%
    $250,000+ 0.65% 0.65%
    1 Year
    $500-$9,999.99 0.90% 0.90%
    $10,000-$99,999.99 0.95% 0.95%
    $100,000-$249,999.99 1.00% 1.00%
    $250,000+ 1.05% 1.06%
    2 Year
    $500-$9,999.99 1.05% 1.05%
    $10,000-$99,999.99 1.10% 1.10%
    $100,000-$249,999.99 1.15% 1.15%
    $250,000+ 1.20% 1.21%
    3 Year
    $500-$9,999.99 1.15% 1.16%
    $10,000-$99,999.99 1.20% 1.21%
    $100,000-$249,999.99 1.25% 1.26%
    $250,000+ 1.30% 1.31%
    4 Year
    $500-$9,999.99 1.25% 1.26%
    $10,000-$99,999.99 1.30% 1.31%
    $100,000-$249,999.99 1.35% 1.36%
    $250,000+ 1.40% 1.41%
    5 Year Step-Up†
    $500-$9,999.99 1.20% 1.21%
    $10,000-$99,999.99 1.25% 1.26%
    $100,000-$249,999.99 1.30% 1.31%
    $250,000+ 1.35% 1.36%
    5 Year
    $500-$9,999.99 1.35% 1.36%
    $10,000-$99,999.99 1.40% 1.41%
    $100,000-$249,999.99 1.45% 1.46%
    $250,000+ 1.50% 1.51%

    †Promotional Share/IRA Step-Up Certificates 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.
    Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater.
    Minimum balance to open certificates $500. (Unless noted)
    Penalty applies for early withdrawal.
    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.

    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

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    Common Questions about Certificates

    View All FAQs

    What are the current certificate rates?

    To view the most up-to-date Certificate rates, please visit our Savings Rates page.

    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)

    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

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    *Open a certificate with as little as $500.

    Certificate Rates are valid as of July 15, 2020 and may be discontinued at any time. Membership with a $5.00 Share Savings Account required. Penalty applies for early withdrawal.