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Wellby Financial

Certificates

Our Share Certificates offer flexibility and guaranteed rates for your set term limit.

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Make Your Savings Soar!

Special Offer: Earn 3.00% on a 15-month Certificate!

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A No-risk, Higher-interest Way to Save

Wellby Certificate accounts offer flexible term options for up to 60 months, allowing you to lock in your dividend rate for the full-term length.

Ironclad Rates

When you lock your rate, it’s set in stone. By locking in your Wellby Certificate account’s dividend rate when opening your account, you can calculate the total return without worrying about changes in the market. 

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Tiered Opening Deposits

Based on your initial opening investment, you could qualify for higher dividend rates! With a $500 initial deposit, you can start saving for your future while growing your investment. 

  • Regular: $1,000 minimum opening deposit 
  • Mini Jumbo: $50,000 minimum opening deposit 
  • Jumbo: $100,000 minimum opening deposit 

A Secure Way to Invest

Your money is NCUA insured, and your account comes with complimentary ID theft recovery, security alerts, and so much more. Wellby Certificate accounts also come with full access to our mobile app and online banking platform, so you can keep track of your account as it matures at home or while on the go. 

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Compare Savings Accounts

ProductWellby SavingsWellby Savings PlusWellby Achievement SavingsWellby Early Start SavingsWellby IRA SavingsWellby IRA Certificates
Initial Deposit$0$25$5$5$0Varies
Monthly Dividends
Direct Deposits
Online Account Management
Mobile Account Management
No Minimum Balance
Identity Theft Recovery
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Identity Theft Recovery Services

All Wellby members with a deposit account receive complimentary fully managed identity theft recovery services. If you suspect identity fraud, a professional is standing by to help.

Learn More

Certificate

IRA Certificate

ACCOUNT TYPE

Certificate

TermDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositAdditional DepositsEarly Withdrawal PenaltyDividends Compounded CreditedRenewals
6 months1.30%1.30%$1000No90 Days DividendsMonthly

Automatic - 5 day grace period

6 months (Mini-Jumbo)1.30%1.30%$50,000No90 Days DividendsMonthly

Automatic - 5 day grace period

6 months (Jumbo)1.30%1.30%$100,000No90 Days DividendsMonthly

Automatic - 5 day grace period

12 months1.85%1.85%$1000No90 Days DividendsMonthly

Automatic - 5 day grace period

12 months (Mini-Jumbo)1.85%1.85%$50,000No90 Days DividendsMonthly

Automatic - 5 day grace period

12 months (Jumbo)1.85%1.85%$100,000No90 Days DividendsMonthly

Automatic - 5 day grace period

15 months3.00%3.00%$1000No90 Days DividendsMonthly

Automatic - 5 day grace period

15 months (Mini-Jumbo)3.00%3.00%$50,000No90 Days DividendsMonthly

Automatic - 5 day grace period

15 months (Jumbo)3.00%3.00%$100,000No90 Days DividendsMonthly

Automatic - 5 day grace period

18 months1.85%1.85%$1000No180 Days DividendsMonthly

Automatic - 5 day grace period

18 months (Mini-Jumbo)1.85%1.85%$50,000No180 Days DividendsMonthly

Automatic - 5 day grace period

18 months (Jumbo)1.85%1.85%$100,000No180 Days DividendsMonthly

Automatic - 5 day grace period

24 months2.15%2.15%$1000No180 Days DividendsMonthly

Automatic - 5 day grace period

24 months (Mini-Jumbo)2.15%2.15%$50,000No180 Days DividendsMonthly

Automatic - 5 day grace period

24 months (Jumbo)2.15%2.15%$100,000No180 Days DividendsMonthly

Automatic - 5 day grace period

36 months2.15%2.15%$1000No270 Days DividendsMonthly

Automatic - 5 day grace period

36 months (Mini-Jumbo)2.15%2.15%$50,000No270 Days DividendsMonthly

Automatic - 5 day grace period

36 months (Jumbo)2.15%2.15%$100,000No270 Days DividendsMonthly

Automatic - 5 day grace period

48 months2.15%2.15%$1000No365 Days DividendsMonthly

Automatic - 5 day grace period

48 months (Mini-Jumbo)2.15%2.15%$50,000No365 Days DividendsMonthly

Automatic - 5 day grace period

48 months (Jumbo)2.15%2.15%$100,000No365 Days DividendsMonthly

Automatic - 5 day grace period

Ready to Start Saving?

Lock in your competitive dividend rate today with one of our short- or long-term share certificates and be better prepared for tomorrow.

Certificate FAQs

Learn all about our Share Certificates, term limits, investment tiers, and more. 

Learn More

Common Questions

What certificate term lengths are currently available?
When are certificate dividends paid to members?
When are certificate dividend checks mailed to members?