Hispanic couple on sofa
HIGH-YIELD ACCOUNTS

Watch your money grow

with our certificates Open a Certificate

OPEN AN ACCOUNT

Please choose one of the following options:

Reach us by phone

Contact Center 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.

Today’s Rates

Regular & IRA Certificates

Terms

Average Daily Balance

Dividend Rate

APY

Rates effective as of August 1, 2020

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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution.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

Terms

3 months* (91 day)

Average Daily Balance

$500.00 and above

Dividend Rate

0.25%

APY

0.25%

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

0.60%

APY

0.60%

Terms

18 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.70%

APY

0.70%

Terms

24 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.80%

APY

0.80%

Terms

36 months

Average Daily Balance

$500.00 and above

Dividend Rate

1.10%

APY

1.10%

Terms

60 months

Average Daily Balance

$500.00 - $9,999.99

Dividend Rate

1.34%

APY

1.35%

Terms

60 months

Average Daily Balance

$10,000.00 - $89,999.99

Dividend Rate

1.39%

APY

1.40%

Terms

60 months

Average Daily Balance

$90,000.00 and above

Dividend Rate

1.44%

APY

1.45%

How Much Can My Certificate Earn?

Find the High-Yield Savings That Fits You Best

  • Best if you want:

    Best if you want:

  • Minimum opening balance

    Minimum opening balance

Certificates

  • 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

    $1,000

IRA

  • Best if you want:

    To save for retirement

  • 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?

Join Online
Call Us
Visit Us
Up Arrow Back to Top

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.

You are leaving Wheelhouse Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products and services accessed through this link are not provided or guaranteed by Wheelhouse Credit Union. The site you are about to visit may have a privacy policy that is different than Wheelhouse Credit Union’s. Please review their privacy policy. Wheelhouse Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.

Cancel Accept