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Specialty Accounts

Family HuggingCertificate Accounts, Money Markets & IRA

Current Rates


Here and Now Certificate Special

You've worked hard to build your savings, now that it's time to let your nest egg grow without worry. Leave the risk of the stock market or other volatile investments behind. The Here and Now Certificate gives you a better return than traditional savings accounts, but still gives you a return. Come into a branch or give us a call to find out more. *

  • 2.018% APY compare to any rate in the area
  • 13-Month Term
  • Also available as a 13-month Roth or traditional IRA certificate special

*APY=Annual Percentage Yield. This special Certificate Account is for New Money only for a term of 13 months and offers an APY of 2.018%; the Dividend Rate is 2.00%. Deposits to this account may not originate from another Wauna Credit Union deposit account. Minimum deposit required to open this special Certificate account and to obtain the published APY: $500.00. Deposits from other Wauna Credit Union accounts may be accepted into the new Certificate Account once the New Money minimum deposit equals $10,000. Some fees could reduce earnings. This special 13-Month Certificate also available as an IRA. 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 July 2, 2018, through July 31, 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.


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

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