RATES AS HIGH AS

2.50% APY* for 11 months

when you bring over $10,000+
to Wheelhouse Credit Union1
GET STARTED

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, 22 & 33-MONTH SPECIAL RATES PROMOTION

We are pleased to offer a variety of Certificate options, now including special rates on our 11, 22 and 33-month terms. Simply open an 11, 22 or 33-month Certificate with $10,000+ funds from another financial institution1 and you’ll receive a special higher rate for the entire term of the Certificate. This promotion is available for a limited-time only and can change without notice, so act today!

Promotional Term Certificates

Terms

$500 - $9,999

$10,000 - $89,999

$90,000+

Rates effective as of October 5, 2022

*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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution.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. 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. Certificate APYs, conditions and terms are subject to change without notice.

1To earn the stated rate, a minimum of $10,000 of the opening funds must not already be on deposit at Wheelhouse Credit Union.

See Product Details

Terms

$500 - $9,999

Dividend Rate

APY*

$10,000 - $89,999

Dividend Rate1

APY*

$90,000+

Dividend Rate1

APY*

Terms

33 months

$500 - $9,999

1.94%

1.95%

$10,000 - $89,999

2.28%

2.30%

$90,000+

2.33%

2.35%

Terms

22 months

$500 - $9,999

1.89%

1.90%

$10,000 - $89,999

2.23%

2.25%

$90,000+

2.28%

2.30%

Terms

11 months

$500 - $9,999

2.08%

2.10%

$10,000 - $89,999

2.43%

2.45%

$90,000+

2.48%

2.50%

Term Certificates

Terms

$500 - $9,999

$10,000 - $89,999

$90,000+

Rates effective as of October 5, 2022

*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. Fees could reduce earnings on the account. Minimum daily balance must be maintained to earn dividends and avoid closure. See your account disclosure for full details.

23-month term not available on IRA Certificates.

See Product Details

Terms

$500 - $9,999

Dividend Rate

APY*

$10,000 - $89,999

Dividend Rate

APY*

$90,000+

Dividend Rate

APY*

Terms

60 months

$500 - $9,999

2.18%

2.20%

$10,000 - $89,999

2.23%

2.25%

$90,000+

2.28%

2.30%

Terms

36 months

$500 - $9,999

2.08%

2.10%

$10,000 - $89,999

2.13%

2.15%

$90,000+

2.18%

2.20%

Terms

24 months

$500 - $9,999

2.03%

2.05%

$10,000 - $89,999

2.08%

2.10%

$90,000+

2.13%

2.15%

Terms

18 months

$500 - $9,999

1.74%

1.75%

$10,000 - $89,999

1.79%

1.80%

$90,000+

1.84%

1.85%

Terms

12 months

$500 - $9,999

1.84%

1.85%

$10,000 - $89,999

1.89%

1.90%

$90,000+

1.94%

1.95%

Terms

6 months

$500 - $9,999

0.25%

0.25%

$10,000 - $89,999

0.30%

0.30%

$90,000+

0.35%

0.35%

Terms

3 months2

$500 - $9,999

0.20%

0.20%

$10,000 - $89,999

0.25%

0.25%

$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

happy adult couple in home
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

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 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

How Much Can My Certificate Earn?

Ready to open a Wheelhouse Certificate or Money Market Account?

Join Online
Call Us
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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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