Growth Without the Guesswork
Certificates offer dependable returns and flexible timelines for your financial goals.
Dependable Returns
Flexible Terms
Low Minimum Deposit
Federally Insured
Set your course. Lock in your rate.
Select the Certificate term that matches your savings timeline and financial goals.
Promotional Term Certificates & IRA Certificates
Current rates as of July 2025
| Tier | $500 - $9,999 | $10,000 - $89,999 | $90,000 - $500,000 | |||
|---|---|---|---|---|---|---|
| Terms | Dividend Rate | APY* | Dividend Rate | APY* | Dividend Rate | APY* |
| 15 months1 | 3.21% | 3.25% | 3.21% | 3.25% | 3.21% | 3.25% |
| 11 months1 | 4.18% | 4.25% | 4.18% | 4.25% | 4.18% | 4.25% |
| 8 months1 | 4.09% | 4.15% | 4.09% | 4.15% | 4.09% | 4.15% |
| 4 months1 | 3.70% | 3.75% | 3.70% | 3.75% | 3.70% | 3.75% |
Rates are effective as of 04/17/2026
*APY = Annual Percentage Yield. Your Certificate will automatically renew at maturity for the same time period as the original term at the prevailing rate. The rate contracted for Certificates remains in effect for the entire term of the Certificate. The APY for 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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from Certificates may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See your account disclosure for full details. Other terms, conditions, services, and restrictions are subject to change without notice.
1All new money required for the 4-month, 8-month, 11-month and 15-month Certificate promotion with a minimum opening balance of $500 and a maximum deposit of $500,000. Upon maturing, a promotional 4-month Certificate will roll into a non-promotional 6-month Certificate, a promotional 8-month Certificate will roll into a non-promotional 12-month Certificate, a promotional 11-month Certificate will roll into a non-promotional 12-month Certificate and a promotional 15-month Certificate will roll into a non-promotional 18-month Certificate at the prevailing APY.
Term Certificates & IRA Certificates
Current rates as of July 2025
| Tier | $500 - $9,999 | $10,000 - $89,999 | $90,000+ | |||
|---|---|---|---|---|---|---|
| Terms | Dividend Rate | APY* | Dividend Rate | APY* | Dividend Rate | APY* |
| 60 months | 2.38% | 2.40% | 2.38% | 2.40% | 2.38% | 2.40% |
| 36 months | 2.38% | 2.40% | 2.38% | 2.40% | 2.38% | 2.40% |
| 24 months | 3.21% | 3.25% | 3.21% | 3.25% | 3.21% | 3.25% |
| 18 months | 3.26% | 3.30% | 3.26% | 3.30% | 3.26% | 3.30% |
| 12 months | 3.70% | 3.75% | 3.70% | 3.75% | 3.70% | 3.75% |
| 6 months | 3.94% | 4.00% | 3.94% | 4.00% | 3.94% | 4.00% |
| 3 months2 | 1.69% | 1.70% | 1.69% | 1.70% | 1.69% | 1.70% |
Rates effective as of 04/17/2026
*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.
Membership required. Federally Insured by NCUA.
23-month term not available on IRA Certificates.
How much can your savings grow?
See your potential earnings with our Certificate calculator.
Other ways to save
Find the right solution for your needs.
A savings account is ideal for accessible funds and emergency savings.
Grow your retirement savings with tax-advantaged Certificates. Traditional and Roth IRA options available.
Need more flexibility? Our Money Market accounts offer competitive rates with easier access to your funds.
How to open a Certificate
Transfer from a Wheelhouse account or bring new money in.
Select a term length that matches your savings timeline, from 3 months to 5 years.
Make your initial deposit starting at just $500. Transfer from another account or bring funds from elsewhere.
Watch your savings grow with high returns. Interest is compounded and paid at maturity.
Why save with Wheelhouse?
We are Member-owned, which allows more earnings to be returned to Members through competitive rates and lower fees.
Safe & Insured
Federally insured up to $250,000 by the NCUA.
Keep it Local
Money deposited is reinvested into the community through local lending, nonprofit partnerships, and Member-focused financial services.
Low Opening Minimum
You can open a standard term Certificate with as little as $500.
Tiered Earning Potential
Higher balances allow you to earn higher dividend payouts.
Need help? We’re here in San Diego.
Multiple ways to connect with us, whenever you need support.
Call Us
Speak with a member service representative
619-297-4835Mon-Fri: 8am-5pm
Sat: 9am-2pm
Contact Us
Reach out and a team member will follow up
Frequently Asked Questions
Everything you need to know about our Certificates.
A Certificate account (similar to a bank CD) allows you to earn a fixed dividend rate for a specific period of time. In exchange for keeping your money on deposit until the Certificate matures, you typically earn a higher rate than a traditional savings account.
Rates vary by institution, but credit unions such as Wheelhouse are often known for offering competitive Certificate rates because they are Member-owned and return value to Members rather than outside shareholders. Comparing Certificate rates can help you maximize your savings earnings.
When you open a Certificate, you choose a term length that fits your goals, such as a few months, one year, or several years. Your dividend rate is typically fixed for the entire term, providing predictable earnings regardless of market fluctuations.
Yes. Credit union Certificates are generally considered a low-risk savings option. Deposits at federally insured credit unions are protected by the National Credit Union Administration (NCUA) up to applicable limits.
At maturity, you typically have several options, including renewing the Certificate, moving the funds to another savings account, selecting a new term, or withdrawing your money. Many Members choose a new Certificate based on current rates and financial goals.
Certificates are designed for funds you can leave on deposit for a set period. Early withdrawals are generally allowed but may be subject to an early withdrawal penalty, which can reduce earnings.
Certificates can be a great choice when you want a guaranteed rate of return, predictable growth, and protection from market volatility. Many savers use Certificates for future expenses, major purchases, retirement planning, or during periods of economic uncertainty.
A savings account is ideal for accessible funds and emergency savings. A money market account may offer higher earnings while maintaining liquidity. A Certificate is often best for money you won't need immediately and want to grow with a guaranteed fixed rate over a specific term.
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Join thousands of members who trust Wheelhouse Credit Union with their financial future. Open a Certificate in minutes.
