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HIGH YIELD ACCOUNTS

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Limited-Time Only Certificate Promotions

Earn 2.50% APY* on an 11-Month Certificate

For a limited-time, you can earn up to 2.50% APY* on an 11-Month Certificate. Promotion requires a minimum opening deposit of $1,000 new money. No maximum deposit.

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Earn 2.75% APY* on a 22-Month Certificate

Earn More. Earn Today. Receive 2.75% APY* on a 22-Month Certificate when you open with $1,000 new money. No maximum deposit.

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Today’s Rates

Promotional Certificates & IRAs

Term/Months

Average Daily Balance

Dividend Rate

APY*

Rates effective as of November 15, 2019

*APY = Annual Percentage Yield. The promotional rates of 2.50% APY on an 11-Month Certificate, and 2.75% APY on a 22-Month Certificate, are valid as of 11/15/19 and are limited-time offers. A minimum opening deposit of $1,000 new money is required to earn the stated rates. May be combined with funds already on deposit at Wheelhouse Credit Union. The rates contracted for Certificates remain 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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution.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. Fees could reduce earnings on the account. Minimum daily balances must be maintained to earn dividends and avoid closure. Upon maturing, an 11-month certificate will automatically rollover to a 12-month certificate; a 22-month to a 24-month; and a 33-month to a 36-month. See your account disclosure for full details.

† 11, 22 and 33 Month New Money – Earn the stated rate when opened with outside funds.

See Product Details

Term/Months

11 months

Average Daily Balance

$1,000 new money† plus any current balance at Wheelhouse CU

Dividend Rate

2.48%

APY*

2.50%

Term/Months

11 months

Average Daily Balance

$500.00 and above

Dividend Rate

2.23%

APY*

2.25%

Term/Months

22 months

Average Daily Balance

$1,000 new money† plus any current balance at Wheelhouse CU

Dividend Rate

2.72%

APY*

2.75%

Term/Months

22 months

Average Daily Balance

$500.00 and above

Dividend Rate

2.48%

APY*

2.50%

Term/Months

33 months

Average Daily Balance

1,000 new money† plus any current balance at Wheelhouse CU

Dividend Rate

2.83%

APY*

2.86%

Term/Months

33 months

Average Daily Balance

$500.00 and above

Dividend Rate

2.58%

APY*

2.60%

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?

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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.

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