Wings Credit Union CD Rates & Ladder Strategy Tool
Calculate earnings with current **Wings Credit Union CD rates**. Features tiered rates, early withdrawal penalty modeling, reinvestment projections, and a single CD/ladder planner.
🏦 About Wings Credit Union
Wings Credit Union is a not-for-profit credit union based in Apple Valley, Minnesota. With branches serving members in MN, WI, MI, FL, GA, and WA, it also caters to the aviation industry. Wings offers competitive share certificates (CDs) with tiered rates based on deposit balance, low minimums (often $500), NCUA insurance coverage, and easy membership.
Source: Wikipedia - Wings Credit Union, wingscu.com/certificates.
📌 Current Wings CU CD Rates (Illustrative, July 2025) by Balance Tier
These rates are illustrative and based on publicly available information as of July 2025. **Wings CD rates** may vary, so always check the official Wings Credit Union website for the most current and precise rates.
| Term | $500–10k | $10k–100k | $100k–250k | $250k+ |
|---|---|---|---|---|
| 3 mo | 0.95–1.11% | 1.00–1.05% | 1.05% | 1.11% |
| 6 mo | 1.10–1.15% | 1.15–1.21% | 1.21% | 1.26% |
| 12 mo special (new money) | 4.02% | 4.02% | 4.01% | 4.10% |
| 12 mo standard | 3.74% | 3.74% | 3.73% | 3.80% |
| 24 mo special (new money) | 3.75% | 3.75% | 3.74% | 3.80% |
| 24 mo standard | 3.80% | 3.80% | 3.80% | 3.80% |
| 5 yr | 2.58–2.68% | 2.63–2.68% | 2.68–2.73% | 2.73% |
Rates effective July 24–25, 2025. NCUA insured. Special rates typically require "new money" (funds not currently in Wings accounts) and membership with a $500 minimum deposit.
🔧 Interactive CD Calculator — Tier-Aware & Rate Projection
Use this tool to estimate earnings for a single CD. The calculator will automatically select the appropriate **Wings CD rates** based on your deposit amount and chosen term.
✅ Your Wings CD Forecast
Maturity Balance
Projected Interest Earned
Penalty If Withdrawn Early
Projected Reinvestment Value
📈 View detailed chart below
📈 Visual Balance Growth
See how your CD balance grows over its term with this interactive chart.
| Term (m) | Deposit ($) | APY (%) | Maturity Value ($) |
|---|
🔗 Plan a Multi-Term CD Ladder
Looking to diversify your investment across multiple CDs with staggered terms? Use our dedicated tool:
Go to CD Ladder Calculator📘 How It Works – Formulas & Logic
This calculator determines your CD's growth and associated figures based on the following principles:
- APY Lookup: The calculator first identifies the correct APY from the current rate table based on your entered deposit amount and selected term.
- Maturity Balance (A): Your final balance is calculated using the compound interest formula:
- Projected Interest Earned: This is simply the Maturity Balance minus your initial Deposit Amount ($A - P$).
- Penalty If Withdrawn Early: This is an illustrative calculation of interest lost for the specified penalty period:
- Projected Reinvestment Value: This estimates the value if your matured CD is immediately reinvested into a new 5-year CD at the highest available APY (for the $250k+ tier) from the current rate sheet.
A = P $\times$ (1 + r)$^{\text{t_years}}$
Where P = Deposit Amount; r = APY (as decimal); t_years = Term in years (Term in months / 12).
Penalty Cost = (Deposit Amount $\times$ APY / 365) $\times$ Penalty Days
This models the simple interest lost on the initial deposit for the selected number of penalty days.
Reinvestment Value = Maturity Balance $\times$ (1 + Longest Term Highest APY)$^{\text{Longest Term in Years}}$
Interest compounding for Wings CDs is typically quarterly for balances under $100k and monthly for balances $100k+.
❓ FAQs: Wings CD Rates
A: **Wings CD rates** are tiered, meaning the Annual Percentage Yield (APY) you earn can increase as your deposit balance crosses certain thresholds. Common tiers include $500–10k, $10k–100k, $100k–250k, and $250k+. Higher balance tiers generally qualify for higher APYs. Special promotional rates typically apply only to "new money" (funds not already with Wings CU).
A: "New money" refers to funds that are not currently held in any account at Wings Credit Union. Promotional CD rates, particularly the higher "special" APYs, often require these funds to be new to the credit union to qualify. Membership (typically a $5 share deposit) and a minimum deposit (often $500) are also required.
A: Yes, like most CDs, Wings Credit Union CDs typically have early withdrawal penalties. These commonly involve a loss of interest, such as six months' dividends for terms of 24 months or less, and two years' dividends for longer terms. Our calculator models this approximate cost, but you should always review your specific CD agreement for exact penalty details.
A: For CD balances under $100,000, interest is generally compounded quarterly. For balances of $100,000 or more, interest is typically compounded monthly. The APY already reflects the effect of this compounding, giving you the true annual return.
A: Yes, Wings Credit Union CDs are usually set to auto-renew at maturity. You typically have a 10-day grace period after maturity to withdraw funds or make changes without penalty. If no action is taken, the CD will automatically renew for the same term at the prevailing **Wings CD rates**.
A: Yes, deposits at Wings Credit Union are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per member, per credit union, for each account ownership category. This provides robust protection for your invested funds.
For the most current and complete details on **Wings CD rates** and other offerings, always visit the official Wings Credit Union website: wingscu.com/certificates.
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