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Smart Savings, Made Simple

Take advantage of a limited-time, high-yield offer you can open online in just minutes!

No hoops, No hassle – Just Smarter Saving

What if your savings could grow faster without extra effort? For a limited time, we’re offering a high-yield online savings opportunity that helps you build more with what you already have. It’s easy to open and designed to give your money the momentum it deserves.

Choose the term that works for you.

9-month	18-month
4.60% APY^*	4.20% APY^*

High-Yield Savings Certificates with Guaranteed Growth¹

Also known as Certificates of Deposit (CDs) or Share Certificates, our fixed-rate options give you secure returns and flexible terms to fit your goals.

Why Choose a Savings Certificate?

competitive rates

High APYs that help you earn more

guaranteed returns

Fixed growth, safe and predictable

Flexible terms

Savings built around your goals

Earn More on Your Savings

LOCK IN A COMPETITIVE rate TODAY.

Open a certificate Online

Get Instant Answers

What is a Savings Certificate?

A fixed-term account (also called a CD or Share Certificate) that earns a guaranteed APY over your chosen term.

Are Savings Certificates safe?

Yes, your funds are federally insured up to $250,000.

Can I open a Savings Certificate online?

Yes, let’s get you started!

Can I add funds to my Certificate once it has been opened?

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.

Do you offer IRA Certificates?

Yes, we also offer IRA Certificates to save for retirement. IRA Certificates typically earn a higher return than regular Certificates.

See our current rates.

*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.