High Yield Certificates
Earn More
in Less Time
8-Month Certificate at 3.85% APY*
A Flexible Investment For Your Future
An 8-month certificate offering a 3.85% APY* return combines the security of guaranteed growth with the flexibility to reassess your options sooner. With a higher-than-average rate compared to most short-term savings, it provides a great opportunity to lock in a solid return while maintaining the ability to adjust your strategy in just a few months. This balance of security and flexibility is perfect for those who want both stability and the option to capitalize on future market changes or evolving financial goals.
8-Month Certificate
*APY = Annual Percentage Yield
How does your Bank Compare?
It’s time to unlock the full potential of your money, compare our High Yield Certificates to the cost of banking somewhere else.
Rates effective as of 01/15/2025 and are subject to change without notice. Sources include Bank of America, Citibank, Chase and Wells Fargo.
|
Tier |
$500 - $9,999 |
$10,000 - $89,999 |
$90,000+ |
|||
|---|---|---|---|---|---|---|
|
Rates effective as of 03/01/2025 *APY = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. 23-month term not available on IRA Certificates. See Product Details |
||||||
|
Tier Terms |
$500 - $9,999 Dividend Rate |
APY* |
$10,000 - $89,999 Dividend Rate |
APY* |
$90,000+ Dividend Rate |
APY* |
|
Tier 60 months |
$500 - $9,999 2.38% |
2.40% |
$10,000 - $89,999 2.38% |
2.40% |
$90,000+ 2.38% |
2.40% |
|
Tier 36 months |
$500 - $9,999 2.38% |
2.40% |
$10,000 - $89,999 2.38% |
2.40% |
$90,000+ 2.38% |
2.40% |
|
Tier 24 months |
$500 - $9,999 3.45% |
3.50% |
$10,000 - $89,999 3.45% |
3.50% |
$90,000+ 3.45% |
3.50% |
|
Tier 18 months |
$500 - $9,999 3.26% |
3.30% |
$10,000 - $89,999 3.26% |
3.30% |
$90,000+ 3.26% |
3.30% |
|
Tier 12 months |
$500 - $9,999 3.60% |
3.65% |
$10,000 - $89,999 3.60% |
3.65% |
$90,000+ 3.60% |
3.65% |
|
Tier 6 months |
$500 - $9,999 3.80% |
3.85% |
$10,000 - $89,999 3.80% |
3.85% |
$90,000+ 3.80% |
3.85% |
|
Tier 3 months2 |
$500 - $9,999 1.69% |
1.70% |
$10,000 - $89,999 1.69% |
1.70% |
$90,000+ 1.69% |
1.70% |
You Have Options
Choose from a variety of high-yield options.
Certificates
Have a Craving for Saving?
Open a Certificate for short or long-term savings.
Money Markets
High-Yield Savings with Easy Access
Earn more than a traditional savings account while still enjoying easy access to your funds.
IRA Certificates
Safe and Steady Savings
Open a Roth or Traditional IRA Certificate to boost your retirement savings.
Wheelhouse® is Committed To Giving Back
Our team is actively involved in the community throughout the year, and we’re proud to support a wide variety of organizations and efforts that have a positive impact on our beautiful City.
Frequently Asked Questions
-
Q: Does Inspired Checking accounts have fees?
No. Wheelhouse account holders don’t pay any overdraft fees, minimum balance fees, monthly service fees, or ATM fees.
-
Q: What is the APY on Wheelhouse Inspired Checking account?
Wheelhouse Inspired Checking account holders can currently earn up to 3.00% APY* on their checking balance, which is 30x the national average checking rate.
-
Q: How do I withdraw money from my Wheelhouse checking account?
You can use any one of the 30,000+ CoOp ATMs to withdraw money from your Wheelhouse checking account, fee-free. You can also visit any of our four conveniently located branches in San Diego County, or access over 5,600 Shared Branch locations throughout the United States.