All Certificate Rates and Terms
Every Waypoint certificate term and the current yield on each, with the date the rates took effect.
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 AccountView all share certificate rates and terms
| Term | Dividend Rate | APY | Minimum Required Deposit |
|---|---|---|---|
| 3 Month | 0.10% | 0.10% | $500 |
| 6 Month | 0.30% | 0.30% | $500 |
| Special 10 Month | 4.22% | 4.30% | $1,000 |
| 1 Year | 0.60% | 0.60% | $500 |
| Special 15 Month | 4.22% | 4.30% | $1,000 |
| 2 Year | 0.75% | 0.75% | $500 |
| Special 20 Month | 4.22% | 4.30% | $1,000 |
| 3 Year | 0.85% | 0.85% | $500 |
| 4 Year | 0.99% | 1.00% | $500 |
| 5 Year | 1.24% | 1.25% | $1,000 |
What You Should Know
Minimum Deposits
$1,000 for the 5-year and special rates. $500 for all other terms.
Early Withdrawal Penalties
90, 182, or 365 days of dividends, depending on the term.
Compounding
Interest is compounded and paid monthly.
What You Will Need
- Waypoint membership
- $1,000 for the 5-year and special terms, $500 for all others
- Rates are the same for IRA certificates
Common Questions
There is no set cadence. Rates can hold for months, or change more than once in a month.
Yes. The rate is fixed for the full term.
For terms of one year or less the penalty is 90 days of dividends. For terms from one year up to two years it is 182 days. For terms greater than two years it is 365 days.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative 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.