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Share/IRA Certificates

For a safe, secure investment over a specific term, Wings Financial offers a number of certificate options with highly competitive rates that consistently rank among the nation's best.

  • Terms from three months to five years
  • Minimum balance of $500
  • Early withdrawal penalties apply
  • Convenient access through CU Online, CU PAL, or at any branch location

5 Year Step-Up Certificate

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A Wings Step-Up Certificate lets you take advantage of a favorable rate environment. Not only do you start out with a highly competitive rate; you’ll also have the ability to adjust (or step-up) your interest rate if rates go up.

  • Step up your rate once during the certificate term**
  • Adjusts to current 5-year certificate rate and applies to remaining term
Current 5-Year Step-Up Certificate Rates APY*
$500-$9,999.99 2.52%
$10,000-$89,999.99 2.57%
$90,000+ 2.63%

*APY= Annual Percentage Yield. Rates current as of 4/18/18 and subject to change. Minimum deposit of $500 required to open a certificate. Membership with a $5.00 minimum opening deposit required. Penalty applies for early withdrawal.
**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.

Certificates will automatically renew at maturity unless redeemed. The renewed certificate will earn the current rate at the time of renewal.


Already a member? Get started on your savings today!


(Please note that you will be prompted to log into CU Online before being redirected to the certificate page.)

Not a member yet?

There's three easy ways to join:

Visit any one of our branch locations

Call 1 800 692-2274, option 2

Click the "Join Today" button for online convenience