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. Rates effective September 28 – October 16, 2026 and subject to change without notice.
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 30 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
Rate Table
[PLACEHOLDER: certificate table: term, minimum deposit, dividend rate, and APY.]
IRA Certificates
IRA certificate rates appear in the same table.
Minimum Deposits
$1,000 for the 5-year and the 7, 10, and 15-month specials. $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.
Important Disclosures
Federally insured by NCUA.
APY = Annual Percentage Yield. Rates are accurate as of 16 September 2026 and are subject to change without notice.
A penalty may be imposed for early withdrawal. The penalty is 90 days of dividends on terms of one year or less, 182 days from one year up to two years, and 365 days on terms above two years.
Certificates renew automatically, with a 10-day grace period and a mailed notice.
A new-money special adds 0.15% APY on balances of $5,000 to $24,999.99, 0.20% APY on $25,000 to $49,999.99, and 0.25% APY on $50,000 to $250,000.