High-Yield Options
Wheelhouse Credit Union’s high-yield term Certificates and IRAs are perfect for those looking for an opportunity to earn more on their deposits.
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Tier |
$500 - $9,999 |
$10,000 - $89,999 |
$90,000 - $500,000 |
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Rates are effective as of 05/05/2025 *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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from Certificates may be considered a taxable distribution.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. See Product Details |
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Tier Terms |
$500 - $9,999 Dividend Rate |
APY* |
$10,000 - $89,999 Dividend Rate |
APY* |
$90,000 - $500,000 Dividend Rate |
APY* |
|
Tier 15 months1 |
$500 - $9,999 3.36% |
3.40% |
$10,000 - $89,999 3.36% |
3.40% |
$90,000 - $500,000 3.36% |
3.40% |
|
Tier 11 months1 |
$500 - $9,999 3.80% |
3.85% |
$10,000 - $89,999 3.80% |
3.85% |
$90,000 - $500,000 3.80% |
3.85% |
|
Tier 8 months1 |
$500 - $9,999 3.80% |
3.85% |
$10,000 - $89,999 3.80% |
3.85% |
$90,000 - $500,000 3.80% |
3.85% |
|
Tier 4 months1 |
$500 - $9,999 3.60% |
3.65% |
$10,000 - $89,999 3.60% |
3.65% |
$90,000 - $500,000 3.60% |
3.65% |
|
Tier |
$500 - $9,999 |
$10,000 - $89,999 |
$90,000+ |
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|---|---|---|---|---|---|---|
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Rates effective as of 05/05/2025 *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 |
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|
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 3.80% |
3.85% |
$10,000 - $89,999 3.80% |
3.85% |
$90,000+ 3.80% |
3.85% |
|
Tier 6 months |
$500 - $9,999 3.60% |
3.65% |
$10,000 - $89,999 3.60% |
3.65% |
$90,000+ 3.60% |
3.65% |
|
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.
FIND THE HIGH-YIELD SAVINGS THAT FITS YOU BEST
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Best if you want:
Best if you want:
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Minimum opening balance
Minimum opening balance
Certificate
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Best if you want:
To earn higher dividends without immediate access to your funds
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Minimum opening balance
Minimum opening balance
Certificate
-
Best if you want:
To earn higher dividends without immediate access to your funds
-
Minimum opening balance
$500
Money Market
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Best if you want:
Easy access to your funds
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Minimum opening balance
$1000
IRA
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Best if you want:
To save for retirement
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Minimum opening balance
$25 in a Daily IRA, or $500 with a Term IRA
How Much Can My Certificate Earn?
Certificates
Our certificates allow you to earn a higher rate than a regular savings account. Whether your certificate matures in 3 months or 5 years, you’ll enjoy a good return.
- Terms from 91 days to 5 years, for greater flexibility and management of your funds
- Dividends calculated daily, compounded and paid quarterly
- A penalty may be imposed for early withdrawals
Money Market Account
Earn higher dividends and gain flexibility. Our money market account combines easy access to your funds with the added bonus of earning higher dividends.
- Unlimited deposits and up to six withdrawals of $500 or more each month
- No monthly service charges
- Dividends are calculated daily, compounded and paid monthly
Traditional IRA
Individual Retirement Accounts are a great way to save money for retirement. With a traditional IRA, your contributions are often tax-deductible and you accumulate earnings tax-deferred.
- Set up automatic deposits for a convenient way to set aside retirement funds
- Daily account or terms ranging 26 weeks to five years
- Earnings grow tax-deferred until withdrawn, and your contributions may be tax deductible. Please consult a tax advisor.
Roth IRA
Enjoy financial flexibility and tax-free income in your retirement. Your contributions to a Roth IRA are never tax-deductible, but your money can be withdrawn tax-free.
- Set up automatic deposits for a convenient way to set aside retirement funds
- Daily account or terms ranging 26 weeks to five years
- Continue making deposits after age 70 ½
- Enjoy tax-deferred earnings and withdrawals if the account is open for 5 tax years and withdrawals are made for a qualified reason. Please consult a tax advisor.
Ready to open a Wheelhouse Certificate or Money Market Account?
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