Share Certificates

Lock in a rate for a set term. Choose from terms of three months to five years, with interest compounded and paid monthly.

See Current Rates

Open a Share Certificate Account

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How a Share Certificate Works

You commit a sum for a fixed term and earn a fixed rate for that whole term. The longer the term, generally the higher the rate. It suits money you know you will not need, and it protects you from rates falling during the term.

Current Rates

Share Certificates

As high as

4.30%APY¹

APY = Annual Percentage Yield. Special share certificate rates are effective from September 28 – October 16, 2026 and are subject to change without notice. 4.30% is valid on the special 10-, 15-, 20-month Share Certificate for new and/or existing money. Minimum balance for special rates is $1000; maximum is $100,000. Promotional rates are limited to one special share certificate per social security number. Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal.

Open a Share Certificate Account
View all share certificate rates and terms
TermDividend RateAPYMinimum Required Deposit
3 Month0.10%0.10%$500
6 Month0.30%0.30%$500
Special 10 Month4.22%4.30%$1,000
1 Year0.60%0.60%$500
Special 15 Month4.22%4.30%$1,000
2 Year0.75%0.75%$500
Special 20 Month4.22%4.30%$1,000
3 Year0.85%0.85%$500
4 Year0.99%1.00%$500
5 Year1.24%1.25%$1,000

What You Should Know

Terms: 3 Months to 5 Years

Choose from terms ranging from three months to five years.

Compounded and Paid Monthly

Interest is compounded and paid monthly.

Rate Fixed for the Term

The rate is set when you open and does not move.

Share and IRA Certificates

Certificates are available as standard shares and as IRA certificates.

Minimum Deposit

$1,000 for the 5-year and the 7, 10, and 15-month specials. $500 for all other terms.

Early Withdrawal Penalty

90, 182, or 365 days of dividends, depending on the term.

What You Will Need

Waypoint Membership

You will need to be a Waypoint member to open a certificate.

Minimum Deposit

$1,000 for the 5-year and special terms. $500 for all other terms.

A Term You Can Commit To

Choose a term you are comfortable committing to.

Automatic Renewal

Certificates renew automatically, with a 10-day grace period and mailed notice.

Common Questions

Share certificates renew automatically. You get a 10-day grace period after maturity to change or close the certificate, and a mailed notice before it renews.

Not sure which fits?

Ask a Waypoint Credit Union representative

We will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.

Important Disclosures