CU Online Login

Get Our Mobile App

Certificates

Make an investment for the future with Wings’ Certificates.
Apply Now

Not a Member? Join Today!

Man laying on a rug playing with his son while the mother watches from the nearby couch

    August is Member Appreciation Month!

    Special 17-Month Certificate: 2.02% APY.* Help your savings grow with this special certificate and a low, $500 minimum balance. New deposits only.

    Apply In-Branch

    Member Appreciation Month_480x480

    *APY=Annual Percentage Yield. Promotional rate valid for accounts opened between 8/1–8/31/22. Certificate must be opened in a branch or through the National Contact Center. Penalty applies for early withdrawal. Membership with $5.00 Share Savings required.

    Savings Special:
    50-month certificate, 2.42% APY*

    Got big plans for the future? Here's a secure and easy way to save: Wings' special 50-month certificate earns a highly competitive 2.42% APY* on deposits of $500 or more. Open an account with new or existing Wings deposits online, at your nearest branch or by phone.

    Open Account

    father_holding_his_son_in_nature

    *APY= Annual Percentage Yield. Membership with a $5.00 Share Savings account required. Minimum balance of $500 required to open special certificate and earn the disclosed APY. Penalty applies for early withdrawal. Visit wingsfinancial.com for additional rates and terms.

    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.

    *Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal.

    Find the Right Certificate

    3 Month Dividend Rate Annual Percentage Yield
    $500-$9,999.99 0.65% 0.65%
    $10,000- $99,999.99 0.70% 0.70%
    $100,000-$249,999.99 0.75% 0.75%
    $250,000+ 0.80% 0.80%
    6 Month Dividend Rate Annual Percentage Yield
    $500-$9,999.99 0.80% 0.80%
    $10,000- $99,999.99 0.85% 0.85%
    $100,000-$249,999.99 0.90% 0.90%
    $250,000+ 0.95% 0.95%
    1 Year Dividend Rate Annual Percentage Yield
    $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% 1.20%
    12 Month Add-On1 Dividend Rate Annual Percentage Yield
    $500+ 1.00% 1.05%
    17 Month Special2 Dividend Rate Annual Percentage Yield
    $500+ 2.00% 2.02%
    2 Year Dividend Rate Annual Percentage Yield
    $500-$9,999.99 1.20% 1.20%
    $10,000- $99,999.99 1.25% 1.26%
    $100,000-$249,999.99 1.30% 1.31%
    $250,000+ 1.35% 1.36%
    3 Year Dividend Rate Annual Percentage Yield
    $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%
    4 Year Dividend Rate Annual Percentage Yield
    $500-$9,999.99 1.45% 1.46%
    $10,000- $99,999.99 1.50% 1.51%
    $100,000-$249,999.99 1.55% 1.56%
    $250,000+ 1.60% 1.61%
    50 Month Special 3 Dividend Rate Annual Percentage Yield
    $500-$99,999.99 2.40% 2.42%
    $100,000+ 2.40% 2.43%
    5 Year Step-Up4 Dividend Rate Annual Percentage Yield
    $500-$9,999.99 1.55% 1.56%
    $10,000- $99,999.99 1.60% 1.61%
    $100,000-$249,999.99 1.65% 1.66%
    $250,000+ 1.70% 1.71%
    5 Year Dividend Rate Annual Percentage Yield
    $500-$9,999.99 1.70% 1.71%
    $10,000- $99,999.99 1.75% 1.76%
    $100,000-$249,999.99 1.80% 1.81%
    $250,000+ 1.85% 1.86%

    Rates Effective as of August 1, 2022 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.
    2Promotional rate valid for accounts opened between 8/1–8/31/22. Certificate must be opened in a branch or through the National Contact Center. Penalty applies for early withdrawal. New deposits only.
    3Membership with a $5.00 Share Savings account required. Minimum balance of $500 required to open special certificate and earn the disclosed APY. Penalty applies for early withdrawal.
    4Step-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.

    Get Started

    Woman in nicer casual wear looking at the camera

    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)

    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

    Find a Branch