Certificate of Deposit Rates as High as 3.75% APY^
Lock in guaranteed returns with a Westerra CD. Choose from flexible term options and grow your savings with confidence.
19 Month CD***
13 Month CD***
5 Month CD***
Jumbo Certificates of Deposit (CDs)^^Term (Period of Investment) | Minimum Balance | APY* | Dividend Rate |
|---|---|---|---|
| 12 Month | $100,000 | 1.60% | 1.588% |
| 24 Month | $100,000 | 1.55% | 1.539% |
| 60 Month | $100,000 | 1.65% | 1.638% |
Certificates of Deposit (CDs) | Minimum Balance | APY* | Dividend Rate |
|---|---|---|---|
| 3 Month | $500 | 1.85% | 1.834% |
| 6 Month | $500 | 1.70% | 1.687% |
| 12 Month | $500 | 1.60% | 1.588% |
| 24 Month | $500 | 1.55% | 1.539% |
| 36 Month | $500 | 1.55% | 1.539% |
| 48 Month | $500 | 1.60% | 1.588% |
| 60 Month | $500 | 1.65% | 1.638% |
No-fee spending account
No monthly fees. No minimum balance required.
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*Annual Percentage Yield. Rates are subject to change without notice. Interest is computed daily and paid monthly. 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 unless otherwise stated. Penalties apply for early withdrawal. Amount of penalty for early withdrawal on the amount withdrawn for CD’s is 90 days dividends on CD’s of 12 months or less, and 180 days dividends on CD’s over 12 months, unless otherwise stated. Early withdrawal penalties may affect the principal balance.
**Individual Retirement Plans are subject to contribution, income and rollover limitations; consult your tax advisor.
***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. Annual Percentage Yield (APY) is effective as of 05/18/2026. This is a limited‑time offer, and Westerra Credit Union reserves the right to modify or cancel the terms and conditions of the CD offering at any point without notice.
Fees may reduce earnings. At maturity, if you choose to renew your CD, the 5‑month CD proceeds will automatically renew to a 3‑month CD, the 13‑month CD proceeds will automatically renew to a 12‑month CD, and the 19‑month CD proceeds will automatically renew to a 12‑month CD, with the APY earnings base rate of interest in effect at that time. A grace period of seven calendar days for renewal is available.
^The 31‑month Promotional Certificate of Deposit (CD) requires new money. New money is defined as funds that have not been on deposit at Westerra Credit Union for at least 90 days prior to opening the certificate. Funds transferred from existing Westerra Credit Union accounts do not qualify. The CD will automatically renew to a 24-month CD, with APY earnings base rate of interest in effect at that time. A grace period of seven calendar days for renewal is available. Individual Retirement Accounts (IRA) CDs are not included in this offer.
An early withdrawal penalty of 360 days of interest, based on the amount withdrawn, will be assessed for the 31‑month Promotional CD. Penalty may reduce principal. Partial withdrawals are not permitted during the term of the certificate.
^^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.
