Certificates
Make an investment for the future with Wings’ Certificates.
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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
You won't worry about monthly fees eating away at your earnings.
*Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal.
Find the Right Certificate
12-Month Special - New Money Only1 12-Month Special - New Money Only1 |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
12-Month Special - New Money Only1 $500-$99,999.99 |
Dividend Rate
4.02% |
Annual Percentage Yield
4.10% |
12-Month Special - New Money Only1 $100,000+ |
Dividend Rate
4.01% |
Annual Percentage Yield
4.10% |
12-Month Special2 12-Month Special2 |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
12-Month Special2 $500-$99,999.99 |
Dividend Rate
3.74% |
Annual Percentage Yield
3.80% |
12-Month Special2 $100,000+ |
Dividend Rate
3.73% |
Annual Percentage Yield
3.80% |
24-Month Special - New Money Only1 24-Month Special - New Money Only1 |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
24-Month Special - New Money Only1 $500-$99,999.99 |
Dividend Rate
3.75% |
Annual Percentage Yield
3.80% |
24-Month Special - New Money Only1 $100,000+ |
Dividend Rate
3.74% |
Annual Percentage Yield
3.80% |
24-Month Special2 24-Month Special2 |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
24-Month Special2 $500-$99,999.99 |
Dividend Rate
3.45% |
Annual Percentage Yield
3.50% |
24-Month Special2 $100,000+ |
Dividend Rate
3.45% |
Annual Percentage Yield
3.50% |
Rates effective as of April 4, 2025 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 3 Month |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
3 Month $500-$9,999.99 |
Dividend Rate
0.95% |
Annual Percentage Yield
0.95% |
3 Month $10,000- $99,999.99 |
Dividend Rate
1.00% |
Annual Percentage Yield
1.00% |
3 Month $100,000-$249,999.99 |
Dividend Rate
1.05% |
Annual Percentage Yield
1.05% |
3 Month $250,000+ |
Dividend Rate
1.10% |
Annual Percentage Yield
1.11% |
6 Month 6 Month |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
6 Month $500-$9,999.99 |
Dividend Rate
1.10% |
Annual Percentage Yield
1.10% |
6 Month $10,000- $99,999.99 |
Dividend Rate
1.15% |
Annual Percentage Yield
1.15% |
6 Month $100,000-$249,999.99 |
Dividend Rate
1.20% |
Annual Percentage Yield
1.21% |
6 Month $250,000+ |
Dividend Rate
1.25% |
Annual Percentage Yield
1.26% |
1 Year 1 Year |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
1 Year $500-$9,999.99 |
Dividend Rate
1.50% |
Annual Percentage Yield
1.51% |
1 Year $10,000- $99,999.99 |
Dividend Rate
1.55% |
Annual Percentage Yield
1.56% |
1 Year $100,000-$249,999.99 |
Dividend Rate
1.60% |
Annual Percentage Yield
1.61% |
1 Year $250,000+ |
Dividend Rate
1.65% |
Annual Percentage Yield
1.66% |
12 Month Add-On1 12 Month Add-On1 |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
12 Month Add-On1 $25 - $99,999.99 |
Dividend Rate
1.45% |
Annual Percentage Yield
1.46% |
12 Month Add-On1 $100,000+ |
Dividend Rate
1.45% |
Annual Percentage Yield
1.46% |
2 Year 2 Year |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
2 Year $500-$9,999.99 |
Dividend Rate
1.65% |
Annual Percentage Yield
1.66% |
2 Year $10,000- $99,999.99 |
Dividend Rate
1.70% |
Annual Percentage Yield
1.71% |
2 Year $100,000-$249,999.99 |
Dividend Rate
1.75% |
Annual Percentage Yield
1.76% |
2 Year $250,000+ |
Dividend Rate
1.80% |
Annual Percentage Yield
1.81% |
3 Year 3 Year |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
3 Year $500-$9,999.99 |
Dividend Rate
2.15% |
Annual Percentage Yield
2.17% |
3 Year $10,000- $99,999.99 |
Dividend Rate
2.20% |
Annual Percentage Yield
2.22% |
3 Year $100,000-$249,999.99 |
Dividend Rate
2.25% |
Annual Percentage Yield
2.27% |
3 Year $250,000+ |
Dividend Rate
2.30% |
Annual Percentage Yield
2.32% |
4 Year 4 Year |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
4 Year $500-$9,999.99 |
Dividend Rate
2.35% |
Annual Percentage Yield
2.37% |
4 Year $10,000- $99,999.99 |
Dividend Rate
2.40% |
Annual Percentage Yield
2.42% |
4 Year $100,000-$249,999.99 |
Dividend Rate
2.45% |
Annual Percentage Yield
2.48% |
4 Year $250,000+ |
Dividend Rate
2.50% |
Annual Percentage Yield
2.53% |
5 Year Step-Up2 5 Year Step-Up2 |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
5 Year Step-Up2 $500-$9,999.99 |
Dividend Rate
2.40% |
Annual Percentage Yield
2.43% |
5 Year Step-Up2 $10,000- $99,999.99 |
Dividend Rate
2.45% |
Annual Percentage Yield
2.48% |
5 Year Step-Up2 $100,000-$249,999.99 |
Dividend Rate
2.50% |
Annual Percentage Yield
2.53% |
5 Year Step-Up2 $250,000+ |
Dividend Rate
2.55% |
Annual Percentage Yield
2.58% |
5 Year 5 Year |
Dividend Rate
Dividend Rate
|
Annual Percentage Yield
Annual Percentage Yield
|
|---|---|---|
5 Year $500-$9,999.99 |
Dividend Rate
2.55% |
Annual Percentage Yield
2.58% |
5 Year $10,000- $99,999.99 |
Dividend Rate
2.60% |
Annual Percentage Yield
2.63% |
5 Year $100,000-$249,999.99 |
Dividend Rate
2.65% |
Annual Percentage Yield
2.68% |
5 Year $250,000+ |
Dividend Rate
2.70% |
Annual Percentage Yield
2.73% |
Rates effective as of April 4, 2025 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.
Common Questions about Certificates
Are there early withdrawal penalties for Certificates?
Is my money safe?
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