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Share Certificates

Lock In a Great Rate

Lock in a great rate with a Share Certificate. Also known as a Certificate of Deposit, CDs let you place your savings with us for a structured amount of time. The longer the term of the Share Certificate, the more your savings will grow! A minimum of $500 is required for a Share Certificate.

Happy member.

Personalized Service and Assistance

We’re here to help and serve our members. Your financial wellness means the world to us. Speak to any of our representatives to learn more about our accounts and discuss your savings goals at no cost.

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Access Your Accounts Anywhere

A full lineup of online services is available to compliment your banking experience and offer you the convenience of your finances at your fingertips. Transfer funds to and from your various savings accounts, pay WRCU loans and check your balances in seconds.

Learn More

We are proud to offer personalized service. Speak to any of our representatives to learn more about our savings products and discuss your goals at no cost.

Term of Months 
APY* 
Dividend Rate 
Share Certificates
Term of Months 
APY* 
Dividend Rate 
3
Term of Months
APY*
1.50% 
Dividend Rate
1.490% 
6
Term of Months
APY*
4.15% 
Dividend Rate
4.073% 
12
Term of Months
12 
APY*
4.00% 
Dividend Rate
3.929% 
18
Term of Months
18 
APY*
2.50% 
Dividend Rate
2.472% 
24
Term of Months
24 
APY*
2.50% 
Dividend Rate
2.472% 
30
Term of Months
30 
APY*
2.50% 
Dividend Rate
2.472% 
36
Term of Months
36 
APY*
2.50% 
Dividend Rate
2.472% 
48
Term of Months
48 
APY*
2.50% 
Dividend Rate
2.472% 
60
Term of Months
60 
APY*
2.75% 
Dividend Rate
2.716% 

* APY = Annual Percentage Interest Yield. The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. All rates are subject to change without notice. The above certificate interest rates effective 10/4/2024.

Got Questions? We Have the Answers
What are your membership requirements?

You must live, work, worship, attend school or own a business in York or Adams County Pennsylvania to become a member. 

What is the minimum balance for a Share Certificate?

There is no minimum balance to open and maintain a Share Certificate is $500. 

Is there a monthly fee for this account?

There is no monthly fee for maintaining a Share Certificate. If you choose to withdraw funds before the maturity date, the penalty will be an amount equal to 30 days of dividends on certificates lasting one year or less, and an amount equal to 90 days of dividends on certificates over one year.

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