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WECU Certificates.

Open online in minutes. Secure application. Digital offer only.

GET 4.00% apy*
15 Months
Open a Certificate Today

Earn Fixed Certificate Rates with a WECU Savings Certificate

Lock in a competitive rate and grow your savings safely with 15-month savings certificates.

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

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

    Get 4.00% APY* on a 15-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.

Open Your Certificate Now

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 better rates, fewer 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.

Open Your Savings Certificate Now

Safe. Secure. Federally insured by NCUA.

*APY = Annual Percentage Yield. 15-month Savings Certificate must be opened online only. $500 minimum to open; funds must be new to WECU. Penalty for early withdrawal; fees could reduce earnings. Offer could change at any time. Rate is effective December 9, 2025. View the Online Truth-in-Savings disclosures and Savings Certificate Rate schedule here.

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

Please Note

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