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Certificate Rates

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Lock in a great rate with your choice of term lengths.
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Certificates Rates

When you're ready to commit yourself to saving for the future, a Wings certificate account is a great choice. With a low, $500 minimum opening balance, highly competitive rates and flexible term lengths from three months on up, you're sure to find a savings solution that works for you. Best of all, your deposits are protected by the NCUA. View our certificate rates here.

Certificate Specials

7-Month Special - New Money Only1 Dividend Rate Annual Percentage Yield
$500-$99,999.99 5.05% 5.15%
$100,000+ 5.03% 5.15%
7-Month Special2 Dividend Rate Annual Percentage Yield
$500-$99,999.99 4.76% 4.85%
$100,000+ 4.74% 4.85%
12-Month Special - New Money Only1 Dividend Rate Annual Percentage Yield
$500-$99,999.99 5.00% 5.10%
$100,000+ 4.98% 5.10%
12-Month Special2 Dividend Rate Annual Percentage Yield
$500-$99,999.99 4.72% 4.80%
$100,000+ 4.70% 4.80%
Rates effective as of June 19, 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.

Certificates (Share and IRA)

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 June 19, 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.