Make your money work smarter with a Westerra CD
Lock in your guaranteed return today!
Guaranteed returns
Invest with certainty. CDs are federally insured and promise guaranteed returns.
Flexible
term lengths.
Choose the timeline that’s right for your financial goals, with terms from 5-months, 13-months and 19-months term lengths.
Competitive rates
Get more bang for your buck with competitive rates as high as 3.50% APY.
No-fee spending account
No monthly fees. No minimum balance required.
Sounds good but have some questions?
Let’s get you on the line or in a branch ASAP.
*Annual Percentage Yield. Rates are subject to change without notice. Interest is computed daily and paid monthly. Penalties apply for early withdrawal. Annual Percentage Yield is based on minimum account balance of $500.00. Upon maturity, certificates may be renewed automatically for the same term and at the current rate. Amount of penalty for early withdrawal on the amount withdrawn for Regular CDs, Jumbo CDs and IRA CDs is 90 days interest on CDs of 12 months or less, and 180 days interest on CDs over 12 months. Penalty may reduce principal. **Offer available to new and existing members on Certificate of Deposit (CD) accounts. Individual Retirement Accounts (IRA) CDs are included in this offer. Membership eligibility and restrictions apply. Federally insured by NCUA. Annual Percentage Yield (APY) is effective as of 12/1/2025. This is a limited-time offer, and we reserve the right to modify or cancel the terms and conditions of the CD Offering at any point without notice. The minimum balance requirement to open a 5-month CD or IRA CD and earn the advertised fixed APY rate of 4.00% is $500.
The APY fixed rate of earnings assumes that the account balance remains at or above the stated minimum balance requirement for the full term of the CD. Penalties may be imposed for early withdrawals. Fees may reduce earnings. Individual Retirement Plans are subject to contribution, income, and rollover limitation; consult your tax advisor. At maturity, if you choose to renew your CD, the 13-month CD proceeds will automatically renew at a 12-month CD with the APY earnings base rate of interest in effect at that time. A grace period of 7 calendar days for renewal is available. Interest is paid monthly.
Review the Service Charge and Fee Schedule, the Certificate of Deposit purchase receipt, and the Membership Account Agreements, Disclosures and Information Guide for additional details.
***Annual Percentage Yield is based on minimum account balance $100,000.00. Not available for IRA CDs. Penalties apply for early withdrawal. Amount of penalty for early withdrawal on the amount withdrawn for Jumbo CDs is 90 days interest on CDs of 12 months or less, and 180 days interest on CDs over 12 months. Penalty may reduce principal.
