Certificates

Make an investment for the future with Wings’ Certificates.

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Shopping around for a great rate? 12-mo certificate, 4.50% APY*

Give yourself the gift of savings gains – no wrapping or shipping required. Just a low, $500 minimum deposit and short, 12-month term. (New money only: must be funds that are not currently on deposit at Wings.)

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*APY=Annual Percentage Yield; penalty for early withdrawal. Rate effective 11/6/24 and subject to change.

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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.

Multiple Term Options

Various term options available, so you can what works best for you.

Low Minimum Balance*

Unlock competitive rates with a low minimum balance.

No Monthly Fees

Avoid monthly or service fees as a member.

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

Find the Right Certificate

12-Month Special - New Money Only¹	Dividend Rate	Annual Percentage Yield
$500-$99,999.99	4.43%	4.50%
$100,000+	4.41%	4.50%

12-Month Special²	Dividend Rate	Annual Percentage Yield
$500-$99,999.99	4.14%	4.20%
$100,000+	4.12%	4.20%

24-Month Special - New Money Only¹	Dividend Rate	Annual Percentage Yield
$500-$99,999.99	3.75%	3.80%
$100,000+	3.74%	3.80%

24-Month Special²	Dividend Rate	Annual Percentage Yield
$500-$99,999.99	3.45%	3.50%
$100,000+	3.45%	3.50%

Rates effective as of November 20, 2024 and subject to change.
Membership with a $5 Share Account required.
$500 minimum opening balance (unless otherwise 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. New money is defined as funds that are not currently deposited in any account at Wings Credit Union.
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
$25 - $99,999.99	1.45%	1.46%
$100,000+	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 November 20, 2024 and subject to change.
Membership with a $5 Share Account required.
$500 minimum opening balance (unless otherwise 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 for the term of the certificate. $25 minimum opening balance.
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.

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A certificate account you can build on.

If you're looking for a flexible way to help your savings grow – with the ability to build on it over time – our 12-Month Add-On Certificate might be the perfect solution. Get started with as little as $25 to enjoy a better-than-savings rate, then make deposits in any amount over the certificate term.

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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

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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.

Our team is here to help.

Click the button below to schedule an appointment or fill out the form and our team will contact you directly.

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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.

Learn about WFA