Share Certificates

Great Rates, Flexible Terms, Guaranteed!
Open a Certificate

Current Certificate Rates: From 3.65% - 4.07% APY

$500 and $100,000 Minimum Balance | 6 Month to 72 Month Terms

For funds you don’t need right away, Wright-Patt Credit Union’s Share Certificate Accounts are a great way to earn higher dividend rates on your additional savings with no hidden fees. And at Wright-Patt Credit Union® (WPCU®), everyone gets the same great rate – regardless of your balance!  With just a minimum deposit of $500, you’ll earn a fixed rate throughout the term with flexible terms that work in your best interest.

Many other financial institutions do not act the same way we do when it comes to savings rates. Many get you in the door with a special certificate rate but require additional relationships or services to get that rate. Wright-Patt Credit Union doesn’t play this game – there are no gimmicks to get our great share certificate rates. Plus, since our rates are not promotional terms, you can pick the best term and rate for your specific goals and financial situation.

To learn more and open a share certificate, visit one of our convenient Member Centers.

Description APY
Share Certificates - $500 Minimum

Description

06-11 Month

APY

3.65%

Description

12-17 Month

APY

3.75%

Description

18-23 Month

APY

3.80%

Description

24-35 Month

APY

3.86%

Description

36-47 Month

APY

3.92%

Description

48-59 Month

APY

3.97%

Description

60-71 Month

APY

3.97%

Description

72 Month

APY

4.07%
Share Certificates - $100,000 Minimum

Description

06-11 Month

APY

3.65%

Description

12-17 Month

APY

3.75%

Description

18-23 Month

APY

3.80%

Description

24-35 Month

APY

3.86%

Description

36-47 Month

APY

3.92%

Description

48-59 Month

APY

3.97%

Description

60-71 Month

APY

3.97%

Description

72 Month

APY

4.07%

Share Certificates Are Similar to Certificate of Deposits (CDs) 

Share Certificates earn a fixed rate of return during your selected term giving you peace of mind when you deposit funds for a fixed length of time. 

Do you have money that you're looking for a higher savings rate on? A Wright-Patt Credit Union (WPCU) Share Certificate might be a great option for you. Share Certificates are similar to a Certificate of Deposit (CD) but they are issued by a credit union (not-for-profit) instead of a bank (for-profit). Because credit unions are not-for-profit, their profits are distributed among members and are referred to as dividends. As a member-owned cooperative, WPCU is able to help you save better with higher savings rates and flexible terms. Our Share Certificates can help you turn your financial goals into reality. 

  • Earn a fixed rate of return throughout the term when you deposit funds for a fixed length of time.
  • WPCU offers competitive rates, which vary. Please check out our current rates above. 
  • $500.00 or $100,000 minimum balance requirement to open and earn dividends, depending on the dividend tier. 
  • Dividends, if applicable, are compounded monthly and credited to your account monthly.
  • Earnings are based on your deposit amount and length of term. Terms offered include 6-72 months. 
  • No monthly service fee.
  • Early withdrawal penalties apply to all certificates. Fees may reduce earnings.

Flexible term options 

When you open a share certificate from your credit union, you get to select a term that fits your financial goals. If you expect you will need to access money sooner rather than later, choose a shorter term that fits your time frame. The longer the term of the share certificate, the higher the rate of return and the more you will earn throughout the term.

Low initial opening balance

Share certificates do require a minimum savings deposit to open depending on the credit union. At WPCU, our opening deposit is $500.² Of course, the more you invest, the better your financial return will be. If you have extra funds that you don't need to touch for a while, opening a share certificate can be a smart way to give your long-term savings goals a boost.

Low Risk investing

Investing your hard-earned money can be risky. However, share certificates are widely considered one of the safest investments to make. Unlike stocks, share certificates offer a fixed rate throughout the term. There are no unknowns when you invest in a share certificate; you'll earn the same rate no matter what the market does. With a guaranteed rate of return, you can keep (or reinvest) the dividends you earn through share certificates.

What Is A Share Certificate?

Share Certificates are similar to Certificates of Deposit (CDs) but they are issued by a credit union (not-for-profit) instead of a bank (for-profit). Because credit unions are not-for-profit, their profits are distributed among members and are referred to as dividends. As a member-owned cooperative, WPCU is able to help you save better with higher savings rates and flexible terms. Our share certificate options let you earn a guaranteed, fixed rate of return when you keep your money deposited until the certificate matures at the end of the term. WPCU certificates offer better rates than most regular savings accounts. 

Our certificate terms can range from 6 months up to 72 months (6 years), with varying dividend rates. Whether you choose short-term or long-term, WPCU share certificates are a great way to boost your returns while saving toward your goals, like a down payment on a home, college tuition, or even retirement.

As your trusted financial partner, Wright-Patt Credit Union has certificate terms to help your money work harder for you. Contact us to learn how our great rates can boost your savings strategy.

Savings FAQ's

  • Yes. Here are the different ways you can move money to/from other financial institutions:

    Log into Online/Mobile Banking

    • External Funds Transfer: Move your money between your deposit accounts at WPCU and 23,000 other financial institutions
      • Allows you to send funds from WPCU to an external financial institution OR from your external financial institution to WPCU
      • The Primary member on your WPCU account must also be the Primary member on your external financial institution account as well
      • Transfers take 2-3 business days to process
      • Free
    • Pay WPCU Loans: Pay your WPCU loan directly from another financial institution
      • Your name must be on both the receiving and sending accounts
      • You will need the ACH account number and routing number for the external account at another financial institution
      • Loan payments take 2-3 business days to process
      • Free
    • MyCUmortgage: Make an ACH payment to your WPCU mortgage
      • Your name must be on both the receiving and sending accounts
      • You will need the ACH account number and routing number for the external account at another financial institution
      • Loan payments take 2-3 business days to process
      • Free

    Call our Member Help Center

    • Call us to process an ACH transfer over the phone (800) 762-0047 or (937) 912-7000
      • Your name must be on both the receiving and sending accounts
      • You will need the ACH account number and routing number for the external account at another financial institution
      • Transfers and loan payments take 2-3 business days to process
      • Free

    Visit us at one of our convenient Member Center locations

    • Stop by one of our Member Centers to process an ACH transfer in person
      • Your name must be on both the receiving and sending accounts
      • You will need the ACH account number and routing number for the external account at another financial institution
      • Transfers and loan payments take 2-3 business days to process
      • Free
    • You can do a cash advance at any of our Member Centers off of a credit/debit card from another financial institution
      • Immediate access to funds
      • Deposit the funds from your debit/credit card at another financial institution into your WPCU account
      • WPCU does not charge a fee for this service, however your other financial institution might – be sure to check with your other financial institution!

  • Yes – your deposits at Wright-Patt Credit Union are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Administration (NCUA).

  • With a Roth IRA, you make contributions with money you’ve already paid taxes on and your money can grow tax-free, with tax-free withdrawals in retirement if certain conditions are met. While your contributions give you no current break on your income tax like the Traditional IRA, when you start taking money out of a Roth IRA, it can be withdrawn tax-free and penalty-free if the initial contribution was made at least five years ago, and you meet one of the following conditions:

    1. At least 59 ½ years of age
    2. Purchasing a home for the first time ($10,000 limit) 
    3. Disabled 
    4. Deceased 

    Learn more about both Traditional and Roth IRAs by clicking here.

    Consult your tax advisor for details.

  • Once your certificate reaches maturity, you can have the funds automatically transferred to another Wright-Patt Credit Union account, roll it into a new certificate with the same terms, or choose a new term. Prior to the maturity date of your share certificate, you will receive a notification from us describing your options.

  • Your Wright-Patt Credit Union Personal Capital Money Market gives you withdrawal and check-writing privileges like a regular checking account; however money market accounts are typically used more as a savings account and not a daily transaction-based account.

  • Yes! Club Accounts are a smarter way to save up for planned expenses. When you open a Wright-Patt Credit Union Club account, you can create a name for the account depending on your savings goals, from holidays and vacation to taxes and back-to-school expenses. Open one for all your needs.

  • You can make withdrawals from your Club account during the account's term without fees or penalties.

  • No. The only restriction is you must be between the ages of 17 and 24 to qualify for the Student Essentials package.

  • Yes! All children age 17 and younger have the opportunity to earn our highest savings rate on their first penny saved with our TrueSaver® account.

  • No. The only requirement for the party opening the account, known as the "custodian," is that he or she must be an adult 18 years of age or older. The account must be opened in the name of the minor, and the minor's social security number must be included on the account.

  • When the minor reaches the age of 21, the custodian must deliver or pay the custodial property over to the minor.

  • In order to have access to your child's account, you must be listed as a joint or custodian of the account.

  • No. Custodial accounts do not have access to an ATM/Debit card, Mobile and Online Banking, loans or credit cards.

Have more questions? Check out our dedicated FAQ page for additional information about all our savings options and services.


More ways we help you put your hard-earned money to work for you

  • Brochures/Documents

    Learn more about the products, services and resources available from Wright-Patt Credit Union that can help you on your Financial Flexibility and Freedom® journey.

  • Financial Calculators

    Use our financial calculators to estimate monthly payments, refinance needs, estimated savings and more.

  • Mobile Banking

    Manage your finances, including loans, checking or savings accounts, on the go from your smartphone or mobile device. Download the mobile app from our credit union today.