WyHy Federal Credit Union - Term Share Certificates

A Term Share Certificate is an excellent choice to earn high rates on risk-free, short- to medium-term deposits. Your rate is guaranteed for the deposit term and your deposits are Federally Insured by the NCUA.

6 to 60 month Term Share Certificates

Minimum Balance: $500
Terms: 6 to 60 months
Rates: Based on the dollar amount and term of the investment. The more you deposit, the greater the rate!
Fixed rate, fixed term Certificates that provide a higher return than a regular share account
Automatically renews at maturity with a 10 day grace period
Dividends are accrued daily and compounded quarterly
Earned dividends can be credited to the Certificate, taken by check or transferred to another share account quarterly
Increase your rate with SmartPoints!

15 Month SmartSavers Certificate

Designed for adults who want to help the youth in their life get on the right path to saving
Open a SmartSavers Certificate for anyone age 0–17 and WyHy will match the opening deposit up to $50!*
Additional funds can be added at any time during the original term of the Certificate
Minimum Balance: $10
Term: 15 months
Rates: Based on the dollar amount and term of the investment. The more you deposit, the greater the rate!
Automatically renews at maturity with a 10-day grace period, but if the balance has grown to $500 or more, the member is allowed to invest in any of the other certificate products without a penalty
The certificate is available to all members, including those with IRA’s. WyHy will only do the matching of the opening deposit up to $50 if the accountholder is between ages 0–17.*
Dividends are accrued daily and compounded quarterly
Earned dividends can be credited to the Certificate, taken by check or transferred to another share account quarterly
Increase your rate with SmartPoints !

Penalties: We will impose a penalty if a withdrawal is made of any funds prior to the maturity date. On Term Share Certificate Accounts opened before September 1, 2013: If any funds withdrawn before the maturity date, penalty will equal the lesser of all accrued dividends or 90 days dividends calculated on the amount withdrawn for Accounts having a term of one year or less, and the lesser of all accrued dividends or 180 days dividends calculated on the amount withdrawn for Accounts having a term greater than one year. On Term Share Certificate Accounts opened after September 1, 2013: If any funds withdrawn before the maturity date, for Accounts having a term to maturity that is less than 1 year, the penalty will be an amount equal to 90 days dividends. For Accounts having a term to maturity that is equal to or greater than 1 year but less than 3 years, the penalty will be an amount equal to 180 days dividends. For Accounts have a term to maturity that is equal to or greater than 3 years, the penalty will be an amount equal to 365 days of dividends.

* Some restrictions and fees may apply. Limited time offer to end at the Credit Union’s discretion. The rate increase (bump) feature may be used one (1) time at any time during the term of the You're In Control Share Certificate. SmartPoints can be redeemed at the time of opening the Certificate or at the time the Certificate renews. The increased rate (bump) will equate to the current WyHy 30-month Certificate term rate, with an additional 0.25% rate increase. A one (1) time partial withdrawal is allowed during the term of the Certificate with the member only being penalized (feed) on the amount of the partial withdrawal at that time. Certificate automatically renews at the 30-month term at the current 30-month Certificate rate, as well as allowing the member to utilize the rate increase (bump) and partial withdrawal feature over the next 30-month term. Existing 30-Month Term Share (or IRA) Certificates will remain in their current product and then will renew to the You're In Control Share (or IRA) Certificate. Contact the Credit Union for complete details. Federally Insured by NCUA.