Specialty Accounts

ImageCertificate Accounts, Money Markets & IRA

Current Rates


Personal Certificate Account 

We have multiple options that allow you to earn higher dividends on your money. Our Certificate Accounts start at only $500.


  • Savers Certificate Accounts available to save toward minimum Certificate Account balance ($100 minimum deposit)
  • $500 minimum balance
  • Earn higher dividends based on balance and term of certificate
  • Dividends are compounded monthly, paid monthly
  • Penalty for early withdrawal

2018 Certificate Special

Wauna Credit Union wants 2018 to be the year that you get your financial situation in order. If you're saving for a house, or just want a secure place to save your money while earning dividends, our 2018 Certificate Special is a great opportunity.Not a link - Wauna new money certificate. 1.35% APY*
If you have funds stored at other financial institutions, you can move it into a new WCU Certificate and earn 1.35% APY.

• 1.34%, 1.35% APY* 
• 11 Month Term
• Included: Regular & IRA certificates

• $500 minimum opening deposit
• Certificates will renew at the current 12-month certificate rate
• Not included: Bump and Savers certificates

*APY=Annual Percentage Yield. This special Certificate Account is for a term of 11 months and offers an APY of 1.35% (the Dividend Rate is 1.34%). Minimum deposit required to open this special Certificate account and to obtain the published APY: $500.00. This special offer is for New Money only (deposits to this account may not originate from another Wauna Credit Union deposit account). Some fees could reduce earnings. Early withdrawal penalty: We may impose a penalty if you withdraw any of the principle before the maturity date, or the renewal date if it is a renewal account. This special offer is available as of January 2, 2018, and may be terminated without notification. Membership with Wauna Credit Union required to be eligible for this special offer. Please contact Wauna Credit Union for membership eligibility details.


Money Market Account (MMA)

 Earn extra interest on your savings account balance, while still having access to your funds.

  • Low minimum to open
  • Earn dividends higher than our Share Savings Accounts
  • Tiered levels of deposits to earn higher rates
  • Minimum $100 withdrawal
  • Write 3 checks and up to 6 transfers a month
  • Unlimited branch transactions
  • NCUA insured up to $250,000

Individual Retirement Account (IRA)

IRAs are savings accounts with big tax breaks, usually for retirement saving. IRAs can include a variety of assets – bonds, mutual funds, stocks, etc.


Traditional IRA

  • Contribution limits exist
  • Eligibility Requirements
    •        Earned Income
    •         Age (under 70 ½)
  • Possible Tax Deduction
  • Earnings are always taxed
  • Required Minimum Distribution (RMD) required at 70 ½
  • Contributions are pre-tax, with taxes paid when you withdraw the money


Roth IRA

  • Eligibility Requirements
    •         Earned Income
    •         Income Limits (MAGI)
  • Contributions are made after taxes
  • No age limit for contributions
  • Tax-deferred earnings
  • Qualified distributions are tax-free and penalty-free
  • Since Taxes are paid up front there are no taxes later


Simplified Employee Pension (SEP IRA): For the self-employed & small business owners

  • For self-employed and small business owners 
  • SEP IRAs have much higher contribution limits contribution limits
  • SEP IRA owners 70½ or older who still earn income may continue to make contributions 
  • Must take RMD at age 70½

Health Savings Account (HSA):  Set aside funds on a pre-tax basis to pay for qualified medical costs

  • Using untaxed dollars in an HSA for deductibles, copayments, coinsurance, and other expenses, can lower overall healthcare costs
  • HSA contributions are pre-tax/tax-deductible. The money grows tax-free and the money can come out tax-free
  • Rolls over from year-to-year, so you don't lose your savings
  • Those enrolled in a high-deductible health insurance plan (HDHP) may qualify for an HSA
    -The IRS defines an HDHP for an individual as a plan with an out-of-pocket maximum of $6,550 and a minimum deductible of $1,300


Coverdell Educational IRA: For college tuition 

Find out more from the IRS