Certificate & IRA Rates

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Certificate & IRA Rates

CD Specials

- Rate Bump and Add On Options**
- Flex CD - Move to a Shorter Term Once^

IRA CD Specials - Make your 2016 Contribution by April 17

- 60 Month IRA CD - Earn 2% APY~
- 12 Month Add-On IRA CD - Add additional deposits at any time.^^
No Annual Fee - No Administrative Fee - Your contributions may be tax-deductible.
Learn more about IRAs.

CD and IRA RATES (as of February 26, 2017)

CD Rates

     
TERM (PERIOD OF INVESTMENT) MINIMUM BALANCE DIVIDEND RATE APY*
3 Month $500.00 0.150% 0.15%
6 Month $500.00 0.200% 0.20%
12 Month $500.00 0.399% 0.40%
24 Month $500.00 0.648% 0.65%
25 Month Bump-Up Add-On CD** $10,000.00 1.292% 1.30%
36 Month $500.00 0.946% 0.95%
48 Month $500.00 1.144% 1.15%
60 Month $500.00 1.440% 1.45%
60 Month CD Special ~ $500.00 1.980% 2.00%
5-Year Flexible CD^ $5,000.00 1.342% 1.35%
       
JUMBO CERTIFICATES OF DEPOSIT***      
12 Month $100,000.00 0.449% 0.45%
24 Month $100,000.00 0.698% 0.70%
60 Month $100,000.00 1.539% 1.55%
       
       
IRA Rates      
TERM (PERIOD OF INVESTMENT) MINIMUM BALANCE DIVIDEND RATE APY*
3 Month $500.00 0.250% 0.25%
6 Month $500.00 0.300% 0.30%
12 Month $500.00 0.499% 0.50%
12 Month Add-On CD Special ^^ $500.00 0.499% 0.50%
24 Month $500.00 0.747% 0.75%
36 Month $500.00 1.045% 1.05%
48 Month $500.00 1.243% 1.25%
60 Month $500.00 1.539% 1.55%
60 Month CD Special ~ $500.00 1.980% 2.00%
 
IRAs are Federally Insured up to an additional $250,000.

*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. National average rate provided by bankrate.com. Weekly CD Rate Analysis on March 10, 2016. **During your CD term, you may bump-up your Annual Percentage Rate one time to match a higher rate you find advertised on a regular 36-month CD (for the 41-Month CD Special) or a regular 24-month CD (for the 25-Month CD Special) at any of these banks in Denver: Bank of the West, BBVA Compass, Chase, First Bank, Key Bank, TCF Bank, US Bank or Wells Fargo. Upon maturity, the 41-month CD will convert to a 36-month CD and the 25-month CD will convert to a 24-month CD. You will earn the rate of interest in effect at that time. Not available for IRA CDs. Penalties apply for early withdrawal. Penalty may decrease principal. Deposit of $5.00 in savings account required. $5.00 membership fee waived. Limited time offer. ***Annual Percentage Yield is based on minimum account balance $100,000.00. Not available for IRA CDs. Penalties apply for early withdrawal. ^Annual Percentage Yield. Interest is computed daily and paid monthly. Minimum balance requirement is $5,000. No penalties, fees or loss of interest to transfer funds one time to a different Westerra Certificate of Deposit (minimum 12 month term) at any time prior to maturity, excluding CD Specials. Rate is subject to change without notice. Penalties apply for early withdrawal. Upon maturity, certificates may be renewed automatically for the same term and at the then current 5-year CD rate. Not available for IRA Certificates of Deposit. Deposit of $5 in savings account required. $5 membership fee waived. Top 5-star rating for financial strength—see www.bauerfinancial.com. Federally insured by NCUA up to $250,000.

~Invest in the 60-month IRA CD through April 30, 2017. Upon maturity, the 60-month IRA CD Special will convert to a regular 60-month IRA CD at the then current rate.  Consult your tax advisor regarding tax deductibility.
^^Annual Percentage Yield.  Invest in an Add-On IRA CD through April 30, 2017. Upon maturity, the Add-On CD converts into a regular 1-year IRA CD, with no add-on option. Consult your tax advisor regarding tax deductibility.

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