Lock In Top Rates and Watch Your Savings Grow
As a member of CW you have access to the best rates anywhere. You can take advantage of this by opening a CW Certificate and earning even more. With just a $1,000 minimum deposit you can invest for terms ranging from 6 months to 60 months and earn nationally recognized annual percentage rates.
Upon maturity you will have the option to renew your certificate for another term that you select, or we can deposit it into another CW deposit account. We do not automatically renew your certificate.
A certificate account is always the best option when you do not need continuous access to your money. This is where you will earn the highest interest at CW. It is the perfect solution for an emergency fund or just to watch your money grow!
| CW Certificates | |||||
| Effective Date: Tuesday, March 25, 2025 | |||||
| Term Share Certificates | |||||
| Months | APY | APR | Minimum balance to open | Dividends paid at end of each | Withdrawal penalty on amount |
| 6 Months | 4.50% | 4.410% | $1000.00 | Month | See Below* |
| 12 Months | 4.40% | 4.314% | $1000.00 | Month | See Below* |
| 18 Months | 4.20% | 4.122% | $1000.00 | Month | See Below* |
| 24 Months | 4.00% | 3.929% | $1000.00 | Month | See Below* |
| 36 Months | 3.80% | 3.736% | $1000.00 | Month | See Below* |
| 48 Months | 3.60% | 3.542% | $1000.00 | Month | See Below* |
| 60 Months | 3.40% | 3.349% | $1000.00 | Month | See Below* |
| *Early Withdrawal Penalty: Any amount withdrawn prior to the maturity date of this Certificate will be assessed a penalty equal to the amount of the withdrawal times the remaining term (days) of this certificate at the rate of 2 times the current APR (divided by 365) paid on this certificate. The penalty amount will be deducted from the amount withdrawn. Dividends earned will be paid at the end of each month and disbursed as directed by the holder. Funds from Certificates will be deposited into regular shares on the maturity date unless other arrangements are made. Savings federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government. | |||||
Benefits
Within Your Control
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Terms from 6 to 60 months, you have many options to suit the timing of your goals.
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Renewals are not automated so you can choose the best option for your money at the time your certificate matures.
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Dividends are flexible and can be compounded in the certificate, deposited to another CW deposit account, or transferred to another financial institution.
Great Online Services
- Free Online and Mobile Banking access to help you manage your money.
- Online Certificate Creation to add a certificate online through online account opening or the add a share feature by external or CW account transfer. (We also accept wire transfers outside of online banking, see below for more information on this option).
- Monthly E-Statement and Notification options for fast access to the information you need.
Security & Protection
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NCUA Insurance up to $250,000 per person (or more in some cases, ask us for more information on this).
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Nationally-accredited rates for the best possible earnings.
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FREE Financial Counseling and Education to help you reach your financial goals.
Certificates Calculator
We want to help you reach your goals! Please use our calculator to assist you in your decisions.
Rate Matching
Think you have found a better rate somewhere else? We believe that you should be the one to decide when and how you would like to invest your savings. Just let our member service team know and we will do our best to match other rates. Let us work for you and help you reach those long-term financial goals.
