Wellby Financial logo


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

Banking symbol with money increasing as time goes on with a line graph showing the increase
couple considering an investment

Earn Up to 5.13% APY* on Our 48-month Certificate!

Don’t let the unpredictability of the economy keep you from your dreams. Lock in long-term savings with a highly competitive 48-month certificate from Wellby.

Signed paperwork with a locked in percentage rate

A No-risk, Higher-interest Way to Save

Wellby Certificate accounts offer flexible term options for up to 48 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. 

A computer screen showing an increasing line graph and percentage rate increasing
A semicircle with a percentage sign and an arrow pointing up

Tiered Opening Deposits

Based on your initial opening investment, you could qualify for higher dividend rates! With a $1000 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. 

Cellphone with a shield over it showing a closed lock
Certificate Rates
Driver's license  illustration with a plus sign in right corner and a continuous circle around it

Identity Theft Recovery Services

All Wellby members with a savings account receive complimentary identity recovery services. If you suspect identity fraud, a specialist is standing by to help.

Learn More

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

Ready to Start Saving?

You’re just a few clicks away from starting your new financial journey.
Let’s reach your dreams together.

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?