Credit union · NCUA insured
Credit Union West CD Rates
Credit Union West’s best CD rate is 4.30% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Credit Union West’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where Credit Union West has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union West
4.30%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $321
Promotional Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
AERO Financial
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Credit Union West CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.30%
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 Credit Union West 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.
Promotional Certificate
4.30%APY · 1 term
Available only with new money (funds not currently on deposit with the credit union). Promotional rate cannot be applied to existing certificates. Combined promotional certificate balance under a single membership cannot exceed $250,000. Offer good for initial term only; upon maturity rolls into a 6-month certificate unless notified within 7-day grace period. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications. Promotion subject to change or end without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsAvailable only with new money. Promotional rate cannot be applied to existing certificates. Total combined balance under single membership cannot exceed $250,000. Good for initial term only; rolls into 6-month certificate upon maturity | 4.30% | $321 |
Sources (1)
- cuwest.org/resources/rates-and-fees · captured Oct 3, 2026
Certificate
Up to 4.15%APY · 5 terms
Compounding dividends computed daily and paid quarterly. Automatically renews at maturity. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications. Additional deposits not allowed once opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.15% | $415 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- cuwest.org/resources/rates-and-fees · captured Oct 3, 2026
Special-purpose accounts
IRA Certificate
Up to 4.15%APY · 5 terms
Opened in branch locations. Insured by NCUA up to $250,000. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.15% | $415 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- cuwest.org/resources/rates-and-fees · captured Oct 3, 2026
Youth Certificate
Up to 4.15%APY · 2 terms
Allows additional deposits once opened. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.15% | $415 |
| 36 months | 3.25% | $1,007 |
Sources (1)
- cuwest.org/resources/rates-and-fees · captured Oct 3, 2026
Who can join Credit Union West
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.