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Save More with a Certificate

We know you work hard for your money, so your money should work hard for you too. Here's how our Certificate Accounts stack up against competitors.

Enjoy high-yield returns with a Wescom Certificate Account. Plus, Wescom Signature Members enjoy additional bonus on Certificate Accounts.



Wescom Financial 2.50% APY*
18-Month Certificate
Wells Fargo 1.50% APY**
U.S. Bank 0.05% APY**


* APY = Annual Percentage Yield. Insured by NCUA. Rate is accurate as of 01/19/2025 and is subject to change without notice. The advertised rate is for Platinum Signature Members, the standard 18-month offer for Non-Platinum Signature Members is 2.40% APY. The APY assumes dividends remain on deposit until maturity. Minimum balance to obtain APY is $500. Minimum opening deposit to obtain APY is $500. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.

**APY = Annual Percentage Yield. Rate comparison based on the competitor’s website as of 01/19/2025.

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. This helps you save more by locking in your funds for a set time, encouraging you to resist the temptation to withdraw prematurely. As your money earns interest over time, it contributes towards more savings, making a Certificate Account a good option to help you reach your long-term financial goals.

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Find Your Share Certificate Rate

Unlock high-yield savings opportunities

All rates are as of 01/28/2026 and are subject to change or end without notice. Certain conditions and restrictions may 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) 2.13% 2.15%
18-Month (18 to 23 months) 2.37% 2.40%
24-Month (24 to 35 months) 2.62% 2.65%
36-Month (36 to 47 months) 3.10% 3.15%
48-Month (48 to 59 months) 3.34% 3.40%
60-Month (60 months) 3.59% 3.65%
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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) 2.18% 2.20%
18-Month (18 to 23 months) 2.42% 2.45%
24-Month (24 to 35 months) 2.66% 2.70%
36-Month (36 to 47 months) 3.15% 3.20%
48-Month (48 to 59 months) 3.39% 3.45%
60-Month (60 months) 3.63% 3.70%
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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) 2.23% 2.25%
18-Month (18 to 23 months) 2.47% 2.50%
24-Month (24 to 35 months) 2.71% 2.75%
36-Month (36 to 47 months) 3.20% 3.25%
48-Month (48 to 59 months) 3.44% 3.50%
60-Month (60 months) 3.68% 3.75%
Min Balance Div. Rate APY*
36-month College Saver $250.00 3.20% 3.25%

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

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.

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