Credit union · NCUA insured
Old West FCU CD Rates
Old West FCU’s best CD rate is 3.50% APY on an 18-month share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Old West FCU’s CD rates compare
Compared with banks and credit unions near Hermiston, OR, where Old West FCU has the most branches. $10,000, best rate first.
This credit union’s best
Old West FCU
3.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $530
Share Certificates
Top rate
STCU
4.26%APY
- Term
- 30 months
- Minimum
- $2,000
- Earns on $10,000
- $1,099
2nd-highest rate
WaFd Bank
4.10%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $445
Old West FCU CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.50%
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 Old West FCU 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.
Share Certificates
Up to 3.50%APY · 6 terms
No setup or maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal may apply | 3.40% | $340 |
| 18 monthsPenalty for early withdrawal may apply | 3.50% | $530 |
| 30 monthsPenalty for early withdrawal may apply | 3.25% | $832 |
| 36 monthsPenalty for early withdrawal may apply | 3.00% | $927 |
| 48 monthsPenalty for early withdrawal may apply | 2.75% | $1,146 |
| 60 monthsPenalty for early withdrawal may apply | 2.50% | $1,314 |
Sources (2)
All captured Sep 15, 2026
Who can join Old West FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, owns property, or worships in Morrow, Umatilla, Union, Wallowa, Wheeler, Grant, Baker, or Harney counties.
Family and household
- Membership is open to anyone who has an immediate family member residing in Morrow, Umatilla, Union, Wallowa, Wheeler, Grant, Baker, or Harney counties.
Cost to join
- Establish membership by opening a personal savings account with a minimum deposit of $5.
Membership information collected October 4, 2026.