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Wellby Certificates

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

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.

  • Upon opening your account, lock in your interest rate for the entire length of the CD.
  • Typically earns higher interest than traditional savings accounts.
  • Term limits that fit your needs. The longer the term, the more interest you’ll earn.
  • A safe and secure investment vehicle with NCUA-insured limits.

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. 

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. 

Identity Theft Recovery Services

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

Learn More

Comparable Products

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

Ready to Start Savings?

Lock in your competitive dividend rate today with one of our short- or long-term Share Certificates and watch your money work for you. Start your low-risk investment journey today and be better prepared for tomorrow. 

Account Type

Wellby Certificates

TermDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositAdditional DepositsEarly Withdrawal PenaltyDividends CompoundedRenewals

6 months

0.20%

0.20%

$1000.00

No

90 Days Dividends

Monthly

Automatic with a 5 day grace period

6 months (Mini-Jumbo)

0.20%

0.20%

$50,000.00

No

90 Days Dividends

Monthly

Automatic with a 5 day grace period

6 months (Jumbo)

0.20%

0.20%

$100,000.00

No

90 Days Dividends

Monthly

Automatic with a 5 day grace period

12 months

0.40%

0.40%

$1000.00

No

90 Days Dividends

Monthly

Automatic with a 5 day grace period

12 months (Mini-Jumbo)

0.40%

0.40%

$50,000.00

No

90 Days Dividends

Monthly

Automatic with a 5 day grace period

12 months (Jumbo)

0.40%

0.40%

$100,000.00

No

90 Days Dividends

Monthly

Automatic with a 5 day grace period

24 months

0.50%

0.50%

$1000.00

No

180 Days Dividends

Monthly

Automatic with a 5 day grace period

24 months (Mini-Jumbo)

0.50%

0.50%

$50,000.00

No

180 Days Dividends

Monthly

Automatic with a 5 day grace period

24 months (Jumbo)

0.55%

0.55%

$100,000.00

No

180 Days Dividends

Monthly

Automatic with a 5 day grace period

36 months

0.60%

0.60%

$1000.00

No

270 Days Dividends

Monthly

Automatic with a 5 day grace period

36 months (Mini-Jumbo)

0.60%

0.60%

$50,000.00

No

270 Days Dividends

Monthly

Automatic with a 5 day grace period

36 months (Jumbo)

0.65%

0.65%

$100,000.00

No

270 Days Dividends

Monthly

Automatic with a 5 day grace period

48 months

0.65%

0.65%

$1000.00

No

365 Days Dividends

Monthly

Automatic with a 5 day grace period

48 months (Mini-Jumbo)

0.65%

0.65%

$50,000.00

No

365 Days Dividends

Monthly

Automatic with a 5 day grace period

48 months (Jumbo)

0.70%

0.70%

$100,000.00

No

365 Days Dividends

Monthly

Automatic with a 5 day grace period

Certificate FAQs

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

Learn More

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