Credit union · NCUA insured
Community West Credit Union CD Rates
Top CarrotCommunity West Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Community West Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Community West Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community West Credit Union
4.25%APY
- Term
- 12–17 months
- Minimum
- $500
- Earns on $10,000
- —
Certificate of Deposit
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
Community West Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Community West Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.25%APY · 7 terms
Penalty may be imposed for early withdrawal. Add-on CDs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsPenalty may be imposed for early withdrawal | 4.00% | $198 |
| 12–17 monthsPenalty may be imposed for early withdrawal | 4.25% | $425 |
| 18–23 monthsPenalty may be imposed for early withdrawal | 3.75% | $568 |
| 24–35 monthsPenalty may be imposed for early withdrawal | 3.75% | $764 |
| 36–47 monthsPenalty may be imposed for early withdrawal | 3.75% | $1,168 |
| 48–59 monthsPenalty may be imposed for early withdrawal | 3.50% | $1,475 |
| 60 monthsPenalty may be imposed for early withdrawal | 3.50% | $1,877 |
Sources (1)
- communitywestcu.org/certificates-of-deposit · captured Oct 16, 2026
Special-purpose accounts
Youth(Explorer) CD
4.60%APY · 1 term
Designed for young savers. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor young savers. Penalty may be imposed for early withdrawal | 4.60% | $460 |
Sources (1)
- communitywestcu.org/certificates-of-deposit · captured Oct 16, 2026
Health Savings Account (HSA) CD
Up to 4.25%APY · 7 terms
Designed for individuals with high-deductible insurance plans. Combines the benefits of a Health Savings Account with a CD. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsPenalty may be imposed for early withdrawal | 4.00% | $198 |
| 12–17 monthsPenalty may be imposed for early withdrawal | 4.25% | $425 |
| 18–23 monthsPenalty may be imposed for early withdrawal | 3.75% | $568 |
| 24–35 monthsPenalty may be imposed for early withdrawal | 3.75% | $764 |
| 36–47 monthsPenalty may be imposed for early withdrawal | 3.75% | $1,168 |
| 48–59 monthsPenalty may be imposed for early withdrawal | 3.50% | $1,475 |
| 60 monthsPenalty may be imposed for early withdrawal | 3.50% | $1,877 |
Sources (2)
All captured Oct 16, 2026
Who can join Community West Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Allegan, Barry, Ionia, Kent, or Ottawa counties are eligible for membership.
Family and household
- Immediate family members of current Community West Credit Union members are eligible for membership.
Other ways
- Any legal entity located in Allegan, Barry, Ionia, Kent, or Ottawa counties is eligible for membership.
- Individuals over age 55 receiving retirement annuity, pension, or social security benefits who live in or belong to a retirement organization operating in Allegan, Barry, Ionia, Kent, or Ottawa counties are eligible for membership.
Cost to join
- A minimum deposit of $5.00 into a regular savings account is required to establish membership as a share of the credit union.
Membership information collected October 5, 2026.