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Certificates

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Share Certificates

Enjoy high-yield returns with a Wescom Certificate Account.
Plus, Wescom Signature Members enjoy additional bonus on Certificate Accounts.

4.90% APY* 3-Month Certificate

Celebrate Our Credit Union's 90th Anniversary with a special certificate offer **

Wescom has been building better lives for Californians for 90 years – and we couldn't have done it without YOU! To celebrate our Credit Union's milestone anniversary, we invite you to open a special 4.90% APY 3-Month Share Certificate with a minimum deposit of $500.

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Certificate Rates

All rates are as of and are subject to change or end without notice. Certain conditions and restrictions may apply. Please call 1-888-4WESCOM (1-888-493-7266) for details and current rates.

Member Signature Member Platinum Signature Member
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Div. Rate APY*
3 Mo Let’s Celebrate Certificate 4.78% 4.90%
3-Month (90 to 179 days) 1.88% 1.90%
6-Month (180 to 364 days) 2.37% 2.40%
12-Month (12 to 17 months) 2.86% 2.90%
18-Month (18 to 23 months) 2.86% 2.90%
24-Month (24 to 35 months) 2.86% 2.90%
36-Month (36 to 47 months) 2.86% 2.90%
48-Month (48 to 59 months) 2.86% 2.90%
60-Month (60 months) 2.86% 2.90%
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Div. Rate APY*
3-Month (90 to 179 days) 1.93% 1.95%
6-Month (180 to 364 days) 2.42% 2.45%
12-Month (12 to 17 months) 2.91% 2.95%
18-Month (18 to 23 months) 2.91% 2.95%
24-Month (24 to 35 months) 2.91% 2.95%
36-Month (36 to 47 months) 2.91% 2.95%
48-Month (48 to 59 months) 2.91% 2.95%
60-Month (60 months) 2.91% 2.95%
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Div. Rate APY*
3-Month (90 to 179 days) 1.98% 2.00%
6-Month (180 to 364 days) 2.47% 2.50%
12-Month (12 to 17 months) 2.96% 3.00%
18-Month (18 to 23 months) 2.96% 3.00%
24-Month (24 to 35 months) 2.96% 3.00%
36-Month (36 to 47 months) 2.96% 3.00%
48-Month (48 to 59 months) 2.96% 3.00%
60-Month (60 months) 2.96% 3.00%
Min Balance Div. Rate APY*
36-month College Saver $250.00 2.96% 3.00%

*APY=Annual Percentage Yield. Certain conditions and restrictions apply.

Open a Share Certificate

Save More with a Credit Union Certificate

A Share Certificate allows you to deposit a fixed amount of money for a specified period, called the term, often with a higher rate than regular savings accounts. This helps you save more by locking in your funds for a set time, encouraging you to resist the temptation to withdraw prematurely. As your money earns interest over time, it contributes towards more savings, making a Certificate Account a good option to help you reach your long-term financial goals.

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Benefits of a Share Certificate

Your Way to Better Saving

  • Open using Online Banking, our top-rated mobile app, or in-branch
  • Low opening deposit of $500
  • Multiple term options
  • Earn one Relationship Point toward Signature Membership†
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Earn More with a Credit Union Certificate

Wescom Rates Beat the National Average

In comparison, Wescom offers one of the best 3-month certificate rates that is 8.5 times higher than the National savings account average, according to Bankrate.com as of October 28, 2024. By choosing Wescom, you can significantly enhance your savings potential with our competitive interest rate. 

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Share Certificate Calculator

Calculate Your Savings at Maturity

Calculate Your Savings at Maturity

Certificate savings calculations are provided by a third-party for illustrative purposes only and may vary from actual dividends earned upon Certificate maturity. Contact us for more information.

Disclosures  

*APY= Annual Percentage Rate. The Dividend Rate and APY that apply to Certificates are stated in the table above. The disclosed APY calculation assumes that paid dividends remain in the account through the maturity date. A penalty may be imposed for early withdrawal. Fees or other conditions could reduce earnings. All Accounts subject to approval. A $1 deposit to a Regular Savings Account is required. Terms and conditions apply.   

**90th Anniversary 3-month Promotional Certificate: APY (Annual Percentage Yield) is accurate as of November 20, 2024, and subject to change or end without notice.  The APY assumes dividends remain on deposit until maturity. Minimum balance to obtain promotional APY is $500.00 with a $90,000 maximum. Minimum opening deposit to obtain APY is $500.00. Signature Membership bonus does not apply. Terms and conditions apply.  Limit one 90th Anniversary 3-month promotional certificate per membership.  

†Members with existing Certificate Accounts do not earn an additional Relationship Point.   

Insured by NCUA

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