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* APY = Annual Percentage Yield. APY shown as of 10/14/2022 and is available for IRA and regular savings certificates. Subject to early withdrawal penalties. Savings certificate has a $1,000 minimum balance to earn 3.55% APY / 3.50% Dividend Rate. The minimum opening deposit is for new money, which is described as “funds not currently on deposit with WPCCU.” Certificate may not be combined with any other offers, including Sunrise Circuit and Loyalty members. Dividends accrue upon deposit and are paid quarterly. Unless directed by certificate owner, accounts will automatically renew to a 6-month IRA/savings certificate upon maturity at the prevailing rate. Fees incurred could reduce earnings. WPCCU membership required. WPCCU reserves the right to end or modify this offer without notice.