Close up shot of a beautiful woman sitting between her kids, on the sofa at home.
Close up shot of a beautiful woman sitting between her kids, on the sofa at home.

Earn up to
4.25% APY*

on an 11-month1 Term/IRA Certificate when you bring over as little as $500+ to Wheelhouse
*APY = Annual Percentage Yield
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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.

11-Month Certificate

Certificate Icon

earn up to4.25%APY*
$500 Minimum – All New Money Required
*APY = Annual Percentage Yield

12-Month Certificate

Certificate Icon

earn up to4.10%APY*
No New Money Required
*APY = Annual Percentage Yield

15-Month Certificate

Certificate Icon

earn up to3.90%APY*
$500 Minimum – All New Money Required
*APY = Annual Percentage Yield

Promotional Term Certificates & IRA Certificates

Tier

$500 - $9,999

$10,000 - $89,999

$90,000 - $500,000

Rates are effective as of 09/23/2024

*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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from Certificates may be considered a taxable distribution.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

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

3.84%

3.90%

$10,000 - $89,999

3.84%

3.90%

$90,000 - $500,000

3.84%

3.90%

Tier

11 months1

$500 - $9,999

4.18%

4.25%

$10,000 - $89,999

4.18%

4.25%

$90,000 - $500,000

4.18%

4.25%

Tier

8 months1

$500 - $9,999

3.70%

3.75%

$10,000 - $89,999

3.70%

3.75%

$90,000 - $500,000

3.70%

3.75%

Tier

4 months1

$500 - $9,999

2.48%

2.50%

$10,000 - $89,999

2.48%

2.50%

$90,000 - $500,000

2.48%

2.50%

Term Certificates & IRA Certificates

Tier

$500 - $9,999

$10,000 - $89,999

$90,000+

Rates effective as of 09/23/2024

*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 IRAs 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.

43-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

2.97%

3.00%

$10,000 - $89,999

2.97%

3.00%

$90,000+

2.97%

3.00%

Tier

36 months

$500 - $9,999

2.97%

3.00%

$10,000 - $89,999

2.97%

3.00%

$90,000+

2.97%

3.00%

Tier

24 months

$500 - $9,999

2.97%

3.00%

$10,000 - $89,999

2.97%

3.00%

$90,000+

2.97%

3.00%

Tier

18 months

$500 - $9,999

3.80%

3.85%

$10,000 - $89,999

3.80%

3.85%

$90,000+

3.80%

3.85%

Tier

12 months

$500 - $9,999

4.04%

4.10%

$10,000 - $89,999

4.04%

4.10%

$90,000+

4.04%

4.10%

Tier

6 months

$500 - $9,999

2.97%

3.00%

$10,000 - $89,999

2.97%

3.00%

$90,000+

2.97%

3.00%

Tier

3 months4

$500 - $9,999

0.30%

0.30%

$10,000 - $89,999

0.30%

0.30%

$90,000+

0.30%

0.30%

You Have Options

Choose from a variety of high-yield options.

Certificates

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Have a Craving for Saving?

Open a Certificate for short or long-term savings.

Open Today

OPEN AN ACCOUNT

Please choose one of the following options:

Reach us by phone

Phone Branch Hours

Monday - Friday: 8:00am to 6:00pm Saturday: 9:00am to 2:00pm

Email

For further assistance, please email us. Do not include account information.

Money Markets

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High-Yield Savings with Easy Access

Earn more than a traditional savings account while still enjoying easy access to your funds.

IRA Certificates

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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

  • Best if you want:

    Best if you want:

  • Minimum opening balance

    Minimum opening balance

Certificate

  • Best if you want:

    To earn higher dividends without immediate access to your funds

  • 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

  • Best if you want:

    Easy access to your funds

  • Minimum opening balance

    $1000

IRA

  • Best if you want:

    To save for retirement

  • 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
  • Tiered accounts ($500, $10,000 and $90,000) let you earn greater dividends with higher balance
  • 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
  • Tiered accounts ($1,000, $10,000, $25,000, $50,000 and $90,000) let you earn greater dividends with higher balance
  • 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
  • Tiered accounts let you earn greater dividends with higher balance
  • Earnings grow tax-deferred until withdrawn, and your contributions may be tax deductible

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
  • Tiered accounts let you earn greater dividends with higher balance
  • 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

Ready to open a Wheelhouse Certificate or Money Market Account?

Join Online
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