iphone-app play-app windows-app


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

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 2.02%
$10,000-$89,999.99 2.07%
$90,000+ 2.12%

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


*APY= Annual Percentage Yield. Rates current as of 2/3/17 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.