Save more.
WECU Certificates.

Open online in minutes. Secure application. Digital offer. New money only. *

4.25% apy*
7 Months

More information available at bottom of page.

Earn Fixed Certificate Rates with a WECU Savings Certificate

Lock in a competitive rate and grow your savings safely with 7-month savings certificates.

  • Higher returns than traditional savings
  • Fixed rates you can count on
  • Federally insured by NCUA

Federally Insured

Not-For-Profit

Trusted Since 1936

4-Star Rated App**

Certificates vs. Savings Accounts

A savings account gives you easy access to your money while earning interest, making it a good option for everyday saving and emergency funds. A savings certificate typically offers a higher fixed rate in exchange for keeping your money deposited for a set period of time.

Certificates

Savings Accounts

Certificates

  • Higher, fixed interest rates
  • Funds are set aside for a specific term
  • Best for planned savings goals

Savings Accounts

  • Lower, variable rates
  • Funds are always available
  • Ideal for everyday savings

Why Choose a WECU Certificate?

Earn More on Your Savings
Certificate typically offer higher rates than standard savings accounts.

Guaranteed Returns
Your rate is fixed for the full term.

Member-Focused Approach
As a credit union, WECU is focused on helping members grow financially.
How It Works

How to Get a Savings Certificate

Start Saving
  • Open your certificate online

    Get 4.25% APY* on a 7-month term
  • Deposit your funds

    Transfer your desired amount into your new certificate.*
  • Earn a fixed rate

    Your certificate earns a fixed return until maturity.

Lock in a Guaranteed Rate Today

Put your savings to work with a predictable return and no market risk.

Built for Planned Savings Goals

A Savings Certificate may be a good fit if you want to:

  • • Earn more than a traditional savings account
  • • Lock in a competitive rate
  • • Save for a future goal or timeline
  • • Set funds aside for a specific term
  • • Grow your savings with a safe, low-risk option

Why Choose WECU Credit Union?

WECU is a not-for-profit financial institution focused on helping members grow financially.
Earnings are returned to members through great rates, minimal fees, and people-first service.
You are not just a customer. You are a member.

Start Earning More with a Savings Certificate Today

Lock in your rate and grow your savings with confidence.

You and your family can become members if you live, work, worship, or attend school in Washington.***

Open Your Savings Certificate Now

Safe. Secure. Federally insured by NCUA.

* APY = Annual Percentage Yield. Rate is effective July 1, 2026. Minimum balance to open a Standard Certificate is $500. Penalties may be imposed for early withdrawals. Fees could reduce earnings. The 7-month certificate special is being offered on new money deposited for a limited time and may end without notice. New money is defined as funds that were not at WECU, in any account, prior to taking advantage of this certificate special. The certificate can only be opened online and must be opened online to qualify for the rate. These are non-renewable certificates. Upon maturity, the 7-month certificate will automatically renew into a 6-month certificate at the published dividend rate and annual percentage yield then in effect for that product unless you have selected a different term prior to maturity. These certificate online specials are not available for IRA or Business certificates. All other terms and conditions are subject to the Account Agreement and Truth in Savings Disclosures.

** WECU Mobile is rated 4.8 in the Apple App Store and 4.7 in Google Play, as of October 2025.

*** Returning members must be in good standing.

We are excited to help you on your home ownership journey!

The first step is to create an account for your customized Real Estate experience.

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