Certificates of Deposit

Grow Your Savings With Confidence

If you have money you won’t need right away, a Certificate of Deposit (CD) can help you earn a higher rate which keeping your savings safe and secure.

With a variety of term options available, CDs offer a simple way to save for future goals while earning a fixed rate for the length of the term.
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Why Choose a Certificate?

Fixed Rates
Your rate is locked in for the entire term, so you know exactly what to expect.

Flexible Terms
Choose a term that fits your savings goals, from short-term options to longer commitments.

Monthly Dividends
Dividends are compounded and credited monthly. You may also request a check or transfer to your Wichita Federal Credit Union account.

Safe and Secure
Your deposits are federally insured by the NCUA up to applicable limits.

Certificate of Deposit Details

  • Minimum opening deposit: $500

  • Terms available from 3 months to 5 years

  • Fixed dividend rates

  • Dividends compounded monthly

  • Automatic renewal available at maturity


Is a Certificate Right for You?

A Certificate may be a good option if you:

  • Have savings you won't need immediately

  • Want a guaranteed rate of return

  • Prefer a low-risk savings option

  • Are saving for a future goal or purchase

Youth Certificates

Helping young savers build good habits early can make a lasting difference.

Our Youth Certificates provide a safe and rewarding way for young members to save while learning the value of setting goals and watching their money grow over time.

Benefits of a Youth Certificate

  • Designed for members under age 18

  • Require only $100 to open

  • Encourages long-term saving habits

  • Fixed rates for predictable growth

  • Federally insured by the NCUA

Current Rates

View our current Certificate and Youth Certificate rates.

View Rates



Open a Certificate Today

Whether you're saving for a future purchase, building financial security, or teaching a young saver the value of saving, a Certificate can help you reach your goals.

Open a Certificate

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