Personal Certificates

Grow your deposits on your terms.

Financial Security with Automatic Renewal

  • check solid white No Maintenance Fees
  • check solid white Interest Compounds Quarterly
  • check solid white Federally Insured Deposits

Certificate
Options

Woman drinking coffee and taking notes

Term Share Certificate

Low-Risk Growth

  • 3 – 60 Months
  • $1,000 Minimum Balance
  • No Maintenance Fees 
  • Automatic Renewal
View Rates Apply Now
Man with his bicycle on a trail

Jumbo Term Share Certificates

Higher Yield

  • 3 – 60 Months
  • $100,000 Minimum Balance
  • No Maintenance Fees 
  • Automatic Renewal
View Rates Apply Now
Woman traveling by train

IRA Term Share Certificates

Maximize Your IRA

  • 3 – 60 Months
  • $1,000 Minimum Balance
  • No Maintenance Fees 
  • Automatic Renewal
View Rates Apply At A Branch
RV on a side hill road

IRA Jumbo Term Share Certificates

Grow Your Large IRA

  • 3 – 60 Months
  • $100,000 Minimum Balance
  • No Maintenance Fees 
  • Automatic Renewal
View Rates Apply At A Branch
Woman looking at her phone

Boost Certificate

Rocket Your Rate

  • 24 or 48 Months
  • $1,000 Minimum Balance
  • No Maintenance Fees 
  • Automatic Renewal
View Rates Apply Now

5.25% APY

Special 18-month Certificate RateE.23

  • Effective February 1, 2024 – March 31, 2024
  • $10,000 Minimum Balance
  • Applies to Certificates, Jumbo Certificates, IRA Term Share Certificates, and IRA Jumbo Share Certificates

The Annual Percentage Yield (“APY”) is only valid for new money. Not valid for existing certificates.

Apply Now
Enjoy effortless returns with WeStreet’s certificate options. 
Choose the term and the deposit amount that works for you.
open an account

Reach Your Goals With Confidence

man with his baby and cat trying to get work done

Flexible Terms

Whatever your goals, certificates have flexible terms to help you achieve them. Certificate options give you the ability to choose the length of your investment and the amount you want to invest. 

Certificates are a great way to supplement your savings or save for a specific goal like a vacation.

A team collaborating

Secure Investment

Many investments come with risk, but with certificates, you can invest with confidence. Not only are your deposits federally insured to at least $250,000 by NCUA, but you are also guaranteed a set rate of return.

You can invest with confidence when you choose to open a certificate.

Certificates are a low-maintenance way to meet your savings goals.
With flexible terms and balance options for every budget, it’s an easy way to support your financial future.

WeStreet Federal Credit Union is federally insured to at least $250,000 by NCUA. Learn more.

E.1 The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY are determined by term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.

E.213-month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term.

E.3At any time after the first seven days of receipt of your initial deposit you may request that the dividend rate on your applicable Certificate be changed to the dividend rate then offered by the Credit Union for the then-current Certificate of the same type and term as your original Certificate as long as you continue to maintain the minimum balance and meet the other requirements for this Certificate Account. The new dividend rate will apply to your then-current balance beginning no later than the first business day after we actually receive your rate change request, and will apply until your original account maturity date, which will not change. You may make your request for a dividend rate change over the telephone, by mail, by email, or in person. You are allowed a dividend rate change only once during each term or renewal term of a 24-month term Certificate and twice during each term or renewal term of a 48-month term Certificate. The Credit Union may honor the request for a dividend rate change by a joint account holder without first obtaining the consent of the other joint account holders. You agree to be bound by these terms and conditions which are in addition to the terms and conditions in our other Agreements with you.

Existing certificates may be redeemed with penalties to purchases BOOST Certificates but cannot be converted directly to a BOOST Certificate.

E.23The Annual Percentage Yield (“APY”) is effective August 31, 2023 – January 31, 2024. Offer only valid for new money. Not valid for existing certificates. The minimum deposit to open is $10,000 for an 18-month Certificate and $100,000 for an 18-month Jumbo Certificate. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Offer is not available for public, institutional, or brokered funds. Other restrictions may apply. All programs, rates, terms, and conditions are subject to change at any time without notice.