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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.
*Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal.
| 3 Month | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 0.15% | 0.15% |
| $10,000- $99,999.99 | 0.20% | 0.20% |
| $100,000-$249,999.99 | 0.25% | 0.25% |
| $250,000+ | 0.30% | 0.30% |
| 6 Month | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 0.30% | 0.30% |
| $10,000- $99,999.99 | 0.35% | 0.35% |
| $100,000-$249,999.99 | 0.40% | 0.40% |
| $250,000+ | 0.45% | 0.45% |
| 1 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 0.45% | 0.45% |
| $10,000- $99,999.99 | 0.50% | 0.50% |
| $100,000-$249,999.99 | 0.55% | 0.55% |
| $250,000+ | 0.60% | 0.60% |
| 12 Month Add-On1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500+ | 0.45% | 0.45% |
| 2 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 0.60% | 0.60% |
| $10,000- $99,999.99 | 0.65% | 0.65% |
| $100,000-$249,999.99 | 0.70% | 0.70% |
| $250,000+ | 0.75% | 0.75% |
| 3 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 0.75% | 0.75% |
| $10,000- $99,999.99 | 0.80% | 0.80% |
| $100,000-$249,999.99 | 0.85% | 0.85% |
| $250,000+ | 0.90% | 0.90% |
| 4 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 0.85% | 0.85% |
| $10,000- $99,999.99 | 0.90% | 0.90% |
| $100,000-$249,999.99 | 0.95% | 0.95% |
| $250,000+ | 1.00% | 1.01% |
| 5 Year Step-Up2 | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 1.05% | 1.06% |
| $10,000- $99,999.99 | 1.10% | 1.11% |
| $100,000-$249,999.99 | 1.15% | 1.16% |
| $250,000+ | 1.20% | 1.21% |
| 5 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $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% |
Rates Effective as of January 1, 2022 and subject to change.
Membership with a $5 minimum opening deposit required.
Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal.
Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater.
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.
112 Month Add-On – Allows unlimited deposits of $50 or more for the initial term of the certificate.
2Step-Up Certificate - 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.
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.
Yes, depending on the term length of your Certificate, the following penalties will apply:
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.
