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Term Share Certificates

Save with confidence — save with security.
Save with a Term Share Certificate.

Click here to see our 1.85% APY 25 Month Share Certificate Special!*

A Term Share Certificate is an excellent choice to earn high rates on risk-free, short- to medium-term deposits. Your rate is guaranteed for the deposit term and your deposits are Federally Insured by the NCUA.

3 to 60 month Term Share Certificates

  • Minimum Balance: $500
  • Terms: 3 to 60 months
  • Rates: Based on the dollar amount and term of the investment. The more you deposit, the greater the rate!
  • Fixed rate, fixed term Certificates that provide a higher return than a regular share account
  • Automatically renews at maturity with a 10 day grace period
  • Dividends are accrued daily and compounded quarterly
  • Earned dividends can be credited to the Certificate, taken by check or transferred to another share account quarterly
  • Increase your rate with SmartPoints!

Contact Us to Open   View Rates

15 Month SmartSavers Certificate

  • Designed for adults who want to help the youth in their life get on the right path to saving
  • Open a SmartSavers Certificate for anyone age 0–17 and WyHy will match the opening deposit up to $50!*
  • Additional funds can be added at any time during the original term of the Certificate
  • Minimum Balance: $10
  • Term: 15 months
  • Rates: Based on the dollar amount and term of the investment. The more you deposit, the greater the rate!
  • Automatically renews at maturity with a 10-day grace period, but if the balance has grown to $500 or more, the member is allowed to invest in any of the other certificate products without a penalty
  • The certificate is available to all members, including those with IRA’s. WyHy will only do the matching of the opening deposit up to $50 if the accountholder is between ages 0–17.*
  • Dividends are accrued daily and compounded quarterly
  • Earned dividends can be credited to the Certificate, taken by check or transferred to another share account quarterly
  • Increase your rate with SmartPoints!

Contact Us to Open   View Rates

Penalties: We will impose a penalty if a withdrawl is made of any funds prior to the maturity date. On Term Share Certificate Accounts opened before September 1, 2013: If any funds withdrawn before the maturity date, penalty will equal the lesser of all accrued dividends or 90 days dividends calculated on the amount withdrawn for Accounts having a term of one year or less, and the lesser of all accrued dividends or 180 days dividends calculated on the amount withdrawn for Accounts having a term greater than one year. On Term Share Certificate Accounts opened after September 1, 2013: If any funds withdrawn before the maturity date, for Accounts having a term to maturity that is less than 1 year, the penalty will be an amount equal to 90 days dividends.  For Accounts having a term to maturity that is equal to or greater than 1 year but less than 3 years, the penalty will be an amount equal to 180 days dividends.  For Accounts have a term to maturity that is equal to or greater than 3 years, the penalty will be an amount equal to 365 days of dividends.
*Some restrictions may apply. Contact the Credit Union for full details.