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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**
A Certificate of Deposit (CD) is a type of savings account that allows you to earn a fixed interest rate — also known as an Annual Percentage Yield (APY) — over a set period of time. When you open a CD, you agree to keep your money deposited for a specific term, such as a few months or several years, and in return, you typically earn a higher rate than a standard savings account. The APY reflects your total earnings over a year, including compounding interest, so you can clearly see your potential return. CD rates can vary based on market conditions and term length, which means the rates offered today may change over time. We continually update our CD rates page to ensure you have access to the most current APYs and term options available.
Explore our current CD rates and term options below to find the right fit for your savings goals. Whether you’re planning short-term or long-term, we’re here to help you make the most of your money.
Promo Certificates of Deposit (CDs) | Minimum Balance | APY* | Dividend Rates |
|---|---|---|---|
| 5 Month** | $500 | 3.25% | 3.203% |
| 13 Month** | $500 | 3.40% | 3.348% |
| 19 Month** | $500 | 3.50% | 3.445% |
| 31 Month*** | $500 | 3.750% | 3.687% |
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% |
Want flexibility alongside strong earnings? A Money Market Select account offers competitive, tiered rates with access to your funds — so your money keeps growing while staying within reach.
*APY = Annual Percentage Yield. APY is accurate as of 5/18/2026 . The APY may change without notice. Certificates of Deposits (CD) have minimum balance of $500.00 required to open an account and Jumbo CDs have a minimum balance of $100,000. Individual Retirement Accounts (IRA) CDs are included for Certain CDs. IRAs are not Jumbo CDs eligible. IRAs are subject to contribution, income and rollover limitations; consult your tax advisor. Penalties apply for early withdrawal. Early withdrawal penalties may affect the principal balance.
**Offer available to new and existing members on Certificate of Deposit (CD) accounts. Individual Retirement Accounts (IRA) CDs are included in this offer. IRAs are subject to contribution, income and rollover limitations; consult your tax advisor. Annual Percentage Yield (APY) is accurate as of 05/18/2026. Limited time offer 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.
^Individual Retirement Plans are subject to contribution, income and rollover limitations; consult your tax advisor.