Guaranteed Returns. Flexible Terms. Smarter Savings.


Grow Your Savings with Confidence
Your money should move you closer to what matters. That’s why our Certificates of Deposit (CDs) are designed to give you guaranteed growth, flexible terms, and peace of mind—so you can build toward the future you deserve.
A Wellby CD - Because You Deserve More
- Competitive, fixed rates — earn more than a standard savings account
- Guaranteed returns — less market risk, no surprises
- Flexible terms — choose the CD length that fits your timeline
- Federally insured — for added peace of mind
- Trusted, local support — from the credit union that puts your prosperity first
Open online in minutes and start earning more—today. Let’s build your financial future, together.
Certificate Rates

Open. Fund. Earn. It’s That Simple.
Here's how:
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Choose Your Term |
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Lock in Your Rate |
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Grow Your Savings |
Your Next Step Toward Financial Well-Being Starts Here
Whether you're saving for something specific or simply want a smarter way to grow your funds, a Wellby CD gives you the tools—and the confidence—to move forward.
*APY = Annual Percentage Yield. APY is accurate as of 7/1/2025. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividend rates and APY are fixed rates during the certificate term until maturity. Fees may reduce the earnings on the account. A penalty equal to 365 days of dividends may be imposed for withdrawals before maturity. Rates are available for 6, 12, 18, 24, 36, and 48-month certificate terms. The NCUA insures individual accounts up to $250,000.00. Speak with a Wellby specialist for more information.
A Primary Savings account is required for new members, which includes the membership share and has a minimum balance of $5.00 to open the account. Certain restrictions may apply.