Share Certificates

Earn more on your investment

While enjoying the flexibility and security of a low-risk investment1 tool

Choose a specified term for your Share Certificate. We offer 6 to 60 month Certificate terms with minimum deposits as low as $1,000 with no monthly fee.

Dividends can be added to the certificate balance or deposited into your Savings or Checking Account monthly. Certificate rates are subject to change.

Plus with an Experience Checking Account you’ll get exclusive certificate rates.

 

Share Certificate Rates

Share Certificate Promo RateDVR1APY2
9 Month 1.24% 1.25%
25 Month 1.64% 1.65%
1Dividend Rate. Rates subject to change without notice and fees may reduce earnings. Dividend rates are variable and may change after an account is opened. Minimum $5,000 deposit to earn promotional rate. 2Annual Percentage Yield (APY). Promotional rates subject to change and be discontinued without notice. Penalties may be applied for early withdrawals and may reduce earnings. Offer may not be combined with other special rates, rate discounts or percentage bumps; such as the .10 basis point increase for Experience Checking members.  

 

 

Minimum Deposit $1,000

TermDVR1APY2
6 Month0.30%0.30%
7 Month0.35%0.35%
8 Month0.35%0.35%
9 Month0.35%0.35%
10 Month0.40%0.40%
11 Month0.40%0.40%
12 Month0.70%0.70%
13 Month0.70%0.70%
15 Month0.70%0.70%
18 Month0.80%0.80%
24 Month1.00%1.01%
30 Month1.25%1.26%
36 Month1.30%1.31%
48 Month1.60%1.61%
60 Month1.85%1.87%
Share Certificates may be opened with $1,000 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

Minimum Deposit $75,000

TermDVR1APY2
6 Month0.40%0.40%
7 Month0.45%0.45%
8 Month0.45%0.45%
9 Month0.45%0.45%
10 Month0.50%0.50%
11 Month0.50%0.50%
12 Month0.80%0.80%
13 Month0.80%0.80%
15 Month0.80%0.80%
18 Month0.90%0.90%
24 Month1.10%1.11%
30 Month1.35%1.36%
36 Month1.40%1.41%
48 Month1.70%1.71%
60 Month1.95%1.97%
Share Certificates may be opened with $1,000 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

Minimum Deposit $125,000

TermDVR1APY2
6 Month0.45%0.45%
7 Month0.50%0.50%
8 Month0.50%0.50%
9 Month0.50%0.50%
10 Month0.55%0.55%
11 Month0.85%0.85%
12 Month0.85%0.85%
13 Month0.85%0.85%
15 Month0.85%0.85%
18 Month0.95%0.95%
24 Month1.15%1.16%
30 Month1.40%1.41%
36 Month1.45%1.46%
48 Month1.75%1.76%
60 Month2.00%2.02%
Share Certificates may be opened with $1,000 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

 

1Widget Financial does not provide legal or tax advice.  You should consult your personal financial and/or tax advisor. All rates subject to change at any time without notice.  Federally Insured by the NCUA. 

Safety and Security

At our Credit Union, members’ shares (deposits) are insured by the National Credit Union Share Insurance Fund. The NCUSIF is an arm of the National Credit Union Administration, or NCUA, which is a federal government agency. Currently, properly established share accounts in federally-insured credit unions are insured up to $250,000. In April 2006, insurance coverage on certain retirement accounts, such as IRAs and Keoghs, was raised to $250,000.

In addition to insurance through the NCUSIF, Widget Financial is one of only 13 credit unions in Pennsylvania that provides all of its members with the benefit of Excess Share Insurance. Widget Financial provides $250,000 of additional private insurance on accounts that exceed the maximum level of insurance coverage provided by the National Credit Union Administration. Therefore, members are automatically insured up to $500,000 per account at no cost.

We are proud to offer this extensive level of safety and security to each of our members. Please contact us if you have additional questions about the level to which your deposits are insured.