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Share Certificates

 

We know you work hard for your money, so your money should work hard for you too. Certificate Accounts offer competitive dividend rates, predictable growth, and fixed terms designed to help you make the most of your savings. Plus, Wescom Signature Members can earn an additional bonus on eligible Certificate Accounts.

Earn More
Competitive dividend rates help your savings grow faster.
Fixed Returns
Lock in a rate for the term you choose and enjoy predictable growth.
Flexible Terms
Choose a term that aligns with your savings timeline and goals.
Signature Bonus
Eligible Signature Members can earn additional bonus dividends.
Open a Certificate View Rates
Competitive Rates Designed to Help You Earn More

Competitive Rates Designed to Help You Earn More

 

We know you work hard for your money, so your money should work hard for you too. That's why Certificate Accounts are designed to help you earn more on your savings with competitive rates and fixed terms that support your financial goals.

Competitive dividend rates designed to help maximize your earnings.
Predictable growth with fixed terms and stable returns.
Additional benefits for Signature Members with bonus dividends available on eligible Certificate Accounts.
See how Wescom compares against other financial institutions in the chart below.


Wescom Financial 2.40% APY*1
18-Month Certificate
Wells Fargo 1.50% APY2
U.S. Bank 0.05% APY2
Have Questions? Contact Us!
Open a Share Certificate

Open a Share Certificate

Secure savings options with a fixed-term Credit Union Certificate

A Share Certificate allows you to deposit a fixed amount of money for a specified period, called the term, often with a higher rate than regular savings accounts.

Fixed-Term Savings

Deposit a fixed amount of money for a specified term.

Higher Earning Potential

Often offers a higher rate than regular savings accounts.

Encourages Long-Term Saving

Helps you save more by locking in your funds and reducing the temptation for premature withdrawals.

Supports Financial Goals

Interest earned over time can contribute toward reaching your long-term financial goals.

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Find Your Share Certificate Rate

Unlock high-yield savings opportunities

All rates are as of 02/23/2026 and are subject to change or end without notice. Terms apply.
Please call 1-888-4WESCOM (1-888-493-7266) for details and current rates.

Member Signature Member Platinum Signature Member
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Div. Rate* APY*
3-Month (90 to 179 days) 1.14% 1.15%
6-Month (180 to 364 days) 2.86% 2.90%
12-Month (12 to 17 months) 3.10% 3.15%
18-Month (18 to 23 months) 2.37% 2.40%
24-Month (24 to 35 months) 2.86% 2.90%
36-Month (36 to 47 months) 3.34% 3.40%
48-Month (48 to 59 months) 3.59% 3.65%
60-Month (60 months) 3.83% 3.90%
Min Balance Div. Rate* APY*
36-month College Saver Certificate $250.00 3.44% 3.50%
Open Now
Div. Rate* APY*
3-Month (90 to 179 days) 1.19% 1.20%
6-Month (180 to 364 days) 2.91% 2.95%
12-Month (12 to 17 months) 3.15% 3.20%
18-Month (18 to 23 months) 2.42% 2.45%
24-Month (24 to 35 months) 2.91% 2.95%
36-Month (36 to 47 months) 3.39% 3.45%
48-Month (48 to 59 months) 3.63% 3.70%
60-Month (60 months) 3.87% 3.95%
Min Balance Div. Rate* APY*
36-month College Saver $250.00 3.44% 3.50%
Open Now
Div. Rate* APY*
3-Month (90 to 179 days) 1.24% 1.25%
6-Month (180 to 364 days) 2.96% 3.00%
12-Month (12 to 17 months) 3.20% 3.25%
18-Month (18 to 23 months) 2.47% 2.50%
24-Month (24 to 35 months) 2.96% 3.00%
36-Month (36 to 47 months) 3.44% 3.50%
48-Month (48 to 59 months) 3.68% 3.75%
60-Month (60 months) 3.92% 4.00%
Min Balance Div. Rate* APY*
36-month College Saver $250.00 3.44% 3.50%

*APY=Annual Percentage Yield. Certain conditions and restrictions apply.

Share Certificate Calculator

Calculate Your Savings at Maturity

Calculate Your Savings at Maturity

Certificate savings calculations are provided by a third-party for illustrative purposes only and may vary from actual dividends earned upon Certificate maturity. Contact us for more information.

Disclosures

 

Membership eligibility is required. All accounts are subject to approval. A $1 deposit to a Regular Saving Account is required. Terms apply.

 

*APY=Annual Percentage Yield. Rates are accurate as of 08/04/2026 and subject to change without notice. The APY assumes dividends remain on deposit until maturity. Minimum opening deposit and minimum balance to obtain APY is $500.00. Minimum opening deposit and minimum balance to obtain APY for College Saver Certificate is $250.00. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. See About Your Credit Union Account for details.

 

For Signature Membership and Platinum Signature Membership qualifications, visit https://www.wescom.org/About-Us/Signature-Membership wescom.org/About-Us/Signature-Membership .

 

1The advertised 18-month offer is for Platinum Signature Members. The standard 18-month offer for Non-Platinum Signature Members is 2.40%APY. Signature Membership terms apply.

 

2Rate comparison based on the competitor’s website as of 08/04/2026.

 

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