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Home > Deposit Products > Certificates of Deposit

Certificates of Deposit

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Wildfire has your back in helping you prepare for a bright future.

Whether you are saving for college tuition or getting your nest egg (a fancy term for money saved for the future) up and running, a Wildfire Certificate of Deposit or CD is the perfect savings tool for the future. A CD allows you to deposit funds for a certain period of time, which will earn you a higher rate of interest.


Here are the specifics:

Benefits:

  • Earns a higher rate of interest to grow your money faster.
  • Deposits are insured up to $250,000 by the NCUA, ensuring you money is safe and sound.
  • 7-day grace period after renewal for 12 to 60 month certificates or 3 days for the 6 to 11 month certificates.
  • You will earn the same rate through the deposit term.

Conditions:

  • Certificate terms from 6 to 60 months.
  • Minimum opening balance of $500.
  • Early withdrawal penalties apply.
  • You cannot make deposits into the certificate until the term is up.

iinvest Certificates:

We are here to help you save smart, spend smart, and grow financially!

Check out some of the benefits:

  • Low minimum deposit and you have the ability to add to the deposit.
  • Choose between a six and/or 12 month iinvest CD.
  • Rates are .250% higher than the current 6-month and 12-month interest rates!

Conditions:

  • Must be 25 or younger.
  • $100 minimum deposit ($2,000 maximum deposit per iinvest certificate).
  • $50 minimum add-on deposits.
  • Withdrawals can only be made at certificate maturity.
  • No more than 10 certificates per member.

Contact our Call Center at 989-249-8200 or 1-800-227-2328 for current iinvest rates and start earning and learning today!


View our Current Rates

Special Certificate Rates
Effective Date: Tuesday, May 26th, 2020, 12:00am ET.
Certificate TermInterest RateAPY
39 Month Special 1.440% 1.450%
62 Month Special
* NEW MONEY TO CU ONLY
1.834% 1.850%

Explanation of Rates & Service Charges

* NEW MONEY TO CU ONLY means that the funds have not previously been on deposit with Wildfire Credit Union; amounts withdrawn from Wildfire accounts in the preceding 30 days will not qualify.

Certificate Rates
Effective Date: Tuesday, May 26th, 2020, 12:00am ET.
Certificate TermInterest RateAPY
6-11 Months 0.698% 0.700%
12-17 Months 0.995% 1.000%
18-23 Months 1.094% 1.100%
24-35 Months 1.243% 1.250%
36-47 Months 1.342% 1.350%
48-59 Months 1.539% 1.550%
60 Months 1.687% 1.700%

Explanation of Rates & Service Charges

Start earning higher dividends today!

Contact our Call Center, stop by one of our branches or simply fill out the short form below.

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