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Certificates

Make an investment for the future with Wings’ Certificates.

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Get set to save. 5.25% APY* 7-mo. certificate

Secure exceptional earnings for your future. Get started with a low $500 minimum and short 7-month term (new deposits only).

Not a member? Join online or in branch to take advantage of this offer.

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*APY=Annual Percentage Yield; penalty for early withdrawal. Rate effective 1/17/24.

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A safe, secure investment over a specific term.

Take advantage of a locked in rate and term with certificates from Wings. 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.

Find the Right Certificate

7-Month Special - New Money Only1 Dividend Rate Annual Percentage Yield
$500-$99,999.99 5.15% 5.25%
$100,000+ 5.13% 5.25%
7-Month Special2 Dividend Rate Annual Percentage Yield
$500-$99,999.99 4.86% 4.95%
$100,000+ 4.84% 4.95%
13-Month Special - New Money Only1 Dividend Rate Annual Percentage Yield
$500-$99,999.99 4.91% 5.01%
$100,000+ 4.90% 5.01%
13-Month Special2 Dividend Rate Annual Percentage Yield
$500-$99,999.99 4.63% 4.71%
$100,000+ 4.61% 4.71%

Rates effective as of February 21, 2024 and subject to change.
Membership with a $5 Share Account 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.
1New deposits only; must be opened in branch or by phone.
2New or existing deposits; open online, in branch or by phone.

3 Month Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.95% 0.95%
$10,000- $99,999.99 1.00% 1.00%
$100,000-$249,999.99 1.05% 1.05%
$250,000+ 1.10% 1.11%
6 Month Dividend Rate Annual Percentage Yield
$500-$9,999.99 1.10% 1.10%
$10,000- $99,999.99 1.15% 1.15%
$100,000-$249,999.99 1.20% 1.21%
$250,000+ 1.25% 1.26%
1 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 1.50% 1.51%
$10,000- $99,999.99 1.55% 1.56%
$100,000-$249,999.99 1.60% 1.61%
$250,000+ 1.65% 1.66%
12 Month Add-On1 Dividend Rate Annual Percentage Yield
$500+ 1.45% 1.46%
2 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 1.65% 1.66%
$10,000- $99,999.99 1.70% 1.71%
$100,000-$249,999.99 1.75% 1.76%
$250,000+ 1.80% 1.81%
3 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.15% 2.17%
$10,000- $99,999.99 2.20% 2.22%
$100,000-$249,999.99 2.25% 2.27%
$250,000+ 2.30% 2.32%
4 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.35% 2.37%
$10,000- $99,999.99 2.40% 2.42%
$100,000-$249,999.99 2.45% 2.48%
$250,000+ 2.50% 2.53%
5 Year Step-Up2 Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.40% 2.43%
$10,000- $99,999.99 2.45% 2.48%
$100,000-$249,999.99 2.50% 2.53%
$250,000+ 2.55% 2.58%
5 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 2.55% 2.58%
$10,000- $99,999.99 2.60% 2.63%
$100,000-$249,999.99 2.65% 2.68%
$250,000+ 2.70% 2.73%

Rates effective as of February 21, 2024 and subject to change.
Membership with a $5 Share Account 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.

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.

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Common Questions about Certificates

View All FAQs

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)

Is my money safe?

Yes, credit union deposits are insured by the National Credit Union Administration (NCUA) per individual up to $250,000. The $250,000 in coverage applies to each share owner, per insured credit union, for each account ownership category. You can also use the NCUA’s Share Insurance Estimator to calculate insurance coverage.

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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.

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