Grow on Your Terms

We know that everyone’s financial journey looks a little different. Whether you're saving for something small, something big, or something you haven't even figured out yet, your money deserves to grow on your terms.

That’s why WyHy offers our Great Rate Certificates with competitive rates, flexible terms, and peace-of-mind security. No waiting around for limited-time promos. No complicated hoops. Just steady, reliable growth built for real life.

What’s a Certificate?

A Certificate is a savings tool that locks in your money for a set period, like 3 months, 6 months, or even 5 years, in exchange for a higher interest rate than a regular savings account. Think of it as planting your money in the right soil and letting it grow without the weeds of market ups and downs.

WyHy Certificates for Every Stage of Life

No matter your savings goal, there’s a Certificate that fits your timeline and priorities.

3-Month Certificate – Short-Term, Big Wins

Use it for: A quick savings boost, emergency fund, or short-term project.
Perfect if you’re: Just getting started or want a safe spot to park extra cash for a few months.
Goal idea: Save for holiday gifts, back-to-school expenses, or a spontaneous weekend getaway.

6-Month Certificate – Treat Yourself Fund

Use it for: Building up to something fun or rewarding without dipping into your day-to-day account.
Perfect if you’re: Looking for a short-term option with a little more earning power.
Goal idea: A new laptop, a fitness tracker, or a splurge-worthy purchase you won’t regret.

12-Month Certificate – Milestone Money

Use it for: Annual expenses, goal tracking, or as a 1-year challenge to grow your savings.
Perfect if you’re: A planner who likes seeing progress in real time.
Goal idea: Save for next summer’s vacation or an annual insurance premium.

24-Month Certificate – Down Payment Dreamer

Use it for: A larger financial goal that needs a little time.
Perfect if you’re: Saving up for a car, wedding, or home down payment.
Goal idea: Watch your savings grow while staying hands-off, so it’s ready when you are.

36–60 Month Certificates – Future You Will Thank You

Use it for: Long-term stability with top-tier rates.
Perfect if you’re: Building toward retirement or locking in growth without stock market stress.
Goal idea: Set it and forget it, then let it surprise you later.

Why Choose WyHy Certificates?

Competitive Rates all year long—no need to chase flashy promos.
Flexible Terms so you can match your savings to your life.
Member-Focused Options that keep your goals front and center.
NCUA Insured so your savings stay safe and secure.

Ready to Start Growing?

You don’t have to wait for the “perfect” time. With WyHy, now is a great time to invest in yourself.

Explore all our Certificate options and start growing on your terms!

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