Certificate Accounts

Ready, Set, Grow
Open a certificate today for your best tomorrow.

Predictably higher interest on savings

A Certificate Account (similar to a certificate of deposit or CD offered at a bank) is designed to increase your savings in a secure and predictable way. At Whitefish Credit Union in Montana, our Certificates steadily earn higher interest than the average savings account, making them the perfect solution for individuals with cash reserves seeking a safe and reliable place to save.

Lock in your savings interest rate

Enjoy the reassurance of consistent earnings on your investment with a Certificate Account.

4-Month Certificate

5.00 APY1

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8-Month Certificate

4.75% APY1

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15-Month Certificate

4.50% APY1

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Guaranteed Return

Invest with confidence, ideal for risk-averse savers seeking security


Fixed Interest Rate

Predictable growth, shielded from fluctuations, even in uncertain times.


Federally Insured

Federally insured by NCUA for worry-free protection.

What makes us different can make all the difference for your finances.

Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members through lower loan rates, higher interest on deposits, and lower fees.

If you live, work, go to school, or own a property in one of the many qualifying counties in Montana, you can bank with us and discover why we have been named the "Best Credit Union" by multiple regional newspapers.

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Retirement & IRA Options

Your brighter tomorrow depends on the action you take today.

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1APY=Annual Percentage Yield. Penalty for early withdrawal/early closure. Fees could reduce earnings on the account. Minimum $500 certificate deposit. Rate quoted as of May 18, 2024 and subject to change at any time. Offer is subject to change, be revoked, or end at any time. Whitefish Credit Union membership required.