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Certificates are a great choice as a way to earn a higher dividend on your money and are insured by the NCUA to at least $250,000. Minimum deposits start at $1,000. Rates for certificates are set weekly and interest is compounded monthly for all terms. Sometimes all you really want is something steady and secure. A certificate account allows you the safety and security that you desire and are a smart way to diversify your portfolio.
- Funds are federally insured up to $250,000
- Choice of terms—from six (6) months to three (3) years
- Dividends are earned daily and compounded monthly
- $1,000 minimum opening balance ($95,000 for jumbo certificates)
- Earn even higher rates by being a member of the Prime Time Club!
Open a new Certificate NOW
Individual Retirement Accounts
Individual Retirement Accounts (IRAs) allow you to save for the future with special tax advantages. IRAs are an important element when planning for your retirement or deciding just how you would like to save for the future or your child’s future. Our representatives will work with you to find the best investment option.
We offer Traditional, Educational and Roth IRAs, all with no monthly maintenance fees, account fees or application fees. With the insurance increase by the NCUA up to $250,000 per account holder, we are able to help you invest more.
Traditional, Roth or Coverdell Education IRA
- Traditional IRA: A Traditional IRA offers tax-deferred earnings and the possibility for tax-deductible contributions. All earnings in the Traditional IRA are not taxed until they are withdrawn.
- Roth IRA: The Roth IRA allows you to contribute (depending on your income) after-tax dollars with earnings growing tax free. You pay no taxes when you withdraw the money, provided you have had the account for at least five (5) years and you are age 59 or older. In addition, you may withdraw, without penalty, up to $10,000 for a first-time home purchase. Another Roth IRA benefit is that you don’t have to begin withdrawing money at age 70 1/2, unlike a Traditional IRA.
- Coverdell Education IRA: Save for a child’s higher education expenses with this IRA. You can invest up to $2,000 a year per child younger than 18, depending on your income. Earnings on Education IRA contributions grow tax free. You cannot deduct contributions, but, when you withdraw funds, you pay no taxes or withdrawal penalties if they’re used for qualified higher education expenses before the beneficiary reaches age 30. Unused funds, however, may be rolled over to an Education IRA for another child.