
Today’s Rates
Terms |
Average Daily Balance |
Dividend Rate |
APY |
---|---|---|---|
Rates effective as of January 8, 2021 APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. 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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution.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. Minimum daily balances must be maintained to earn dividends and avoid closure. See your account disclosure for full details. * 3-month/91 day term not available on IRA certificates. See Product Details |
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Terms 3 months* (91 day) |
Average Daily Balance $500.00 and above |
Dividend Rate 0.20% |
APY 0.20% |
Terms 6 months |
Average Daily Balance $500.00 and above |
Dividend Rate 0.25% |
APY 0.25% |
Terms 12 months |
Average Daily Balance $500.00 and above |
Dividend Rate 0.40% |
APY 0.40% |
Terms 18 months |
Average Daily Balance $500.00 and above |
Dividend Rate 0.50% |
APY 0.50% |
Terms 24 months |
Average Daily Balance $500.00 and above |
Dividend Rate 0.60% |
APY 0.60% |
Terms 36 months |
Average Daily Balance $500.00 and above |
Dividend Rate 0.75% |
APY 0.75% |
Terms 60 months |
Average Daily Balance $500.00 - $9,999.99 |
Dividend Rate 1.10% |
APY 1.10% |
Terms 60 months |
Average Daily Balance $10,000.00 - $89,999.99 |
Dividend Rate 1.15% |
APY 1.15% |
Terms 60 months |
Average Daily Balance $90,000.00 and above |
Dividend Rate 1.19% |
APY 1.20% |
How Much Can My Certificate Earn?
Find the High-Yield Savings That Fits You Best
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Best if you want:
Best if you want:
-
Minimum opening balance
Minimum opening balance
Certificates
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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
$500
Money Market
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Best if you want:
Easy access to your funds
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Minimum opening balance
$1,000
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
Certificates
Our certificates allow you to invest money at a higher rate than a regular savings account. Whether your certificate matures in 3 months or 5 years, you’ll enjoy a good return on your investment.
- 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?

Disclosures
Wheelhouse reserves the right to make changes any time without notice as a result of change in policy, law or regulation. For additional rates and tiers, click here.
IRA deposits are federally insured to at least $250,000 by the NCUA, a U.S. Government agency. Please consult your tax advisor regarding any IRA account.