Build your savings with multi-tiered fixed interest rate certificates.
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Savings Certificates
Flexible Certificates
Get more from your money with a fixed interest rate savings certificate. We offer certificates that allow you to grow your investment at the rate and term that works best for you. Choose from six, twelve, twenty-four, thirty-six, or sixty month terms.
Current Rates
| APY* | 4.00% | 4.00% | 3.55% | 3.25% | 3.25% | ||||
| Term | 6 mo | 12 mo | 24 mo | 36 mo | 60 mo |
Promotional Certificates1
| APY* | 4.60% | 4.20% | ||||
| Term | 9 mo | 18 mo |
With Certificates you get:
Compounding Dividends
Computed daily and paid quarterly.
Automatic Renewal
Certificates renew automatically for your convenience.
Commitment Options
A variety of terms available from 6 months to 60 months.
Meet with Us
Schedule an appointment to meet with a member representative at your nearest branch.
Get Instant Answers
Certificates require a minimum deposit of $500.
Yes, we also offer IRA Certificates to save for retirement. IRA Certificates typically earn a higher return than regular Certificates.
See our current rates.The only Certificate type that allows additional deposits are Youth Certificates. All other Certificate types do not allow additional deposits once the Certificate has been opened. When it is up for renewal at the end of the term, you may then add additional funds.
For Your
Convenience
Easily access your monthly statements online.
Download the Credit Union West Mobile Banking app to access your account on the go.
Transfer money into your savings, review balances and more.
We are here to serve our members. We want your banking experience to be secure and convenient.
MEMBERS WITH certificates ALSO HAVE
An ideal blend of growth and liquidity
Free checking account that offers a 6.00% APY* on balances up to $20,000.
*Annual Percentage Yield (APY). APYs are accurate as of 9/2/25. Penalties may be imposed for early withdrawal of certificate.
1Promotional Certificates - all funds must be new money. $500 minimum deposit required. The total combined balance of all promotional certificates under a single member cannot exceed $250,000. Promotional rate cannot be applied to existing certificates. Offer good for the initial term only. Upon maturity, all promotional certificates will automatically renew closest to but not exceeding the current term of the certificate, unless Credit Union West is notified within the 7-day grace period of the maturity date. Promotional certificates will not renew to a different promotional term or rate. For example, an 18-month promotional certificate of deposit will roll into a 12-month certificate of deposit upon maturity. Promotion subject to change or end without notice.
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