Credit union · NCUA insured
TruWest Credit Union CD Rates
Top CarrotTruWest Credit Union’s best CD rate is 4.50% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How TruWest Credit Union’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where TruWest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruWest Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
Savings 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
TruWest Credit Union CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.50%
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 TruWest 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.
Savings Certificate
Up to 4.50%APY · 6 terms
Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEffective as of 2026-09-23. Subject to change | 4.00% | $198 |
| 12 monthsEffective as of 2026-09-23. Subject to change | 4.25% | $425 |
| 18 monthsLimited-time special offer valid as of 7/27/26; subject to change or end at any time without notice. Not available for IRA Savings Certificates. Available only with new money (funds not currently on deposit with TruWest Credit Union and transferred from an account at another financial institution at the time the certificate is opened). Automatic renewal to standard 12-month savings certificate | 4.50% | $683 |
| 24 monthsEffective as of 2026-09-23. Subject to change | 4.25% | $868 |
| 36 monthsEffective as of 2026-09-23. Subject to change | 4.25% | $1,330 |
| 60 monthsEffective as of 2026-09-23. Subject to change | 4.25% | $2,313 |
Sources (3)
- truwest.org/accounts/savings-certificates
- truwest.org/rates
- truwest.org/legal-disclosures/savings-certificate-rates
All captured Sep 24, 2026
Special-purpose accounts
IRA Savings Certificate
Up to 4.25%APY · 5 terms
Must be a TruWest member with a minimum $5 membership deposit. Minimum opening balance and minimum to earn dividends is $500. Early withdrawal penalties apply with exceptions for certain qualifying IRA distributions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.25% | $425 |
| 24 months | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 60 months | 4.25% | $2,313 |
Sources (3)
All captured Sep 24, 2026
Who can join TruWest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, own a business, or attend school in Maricopa, Pinal, Pima, or Yavapai County, AZ, or Travis or Williamson County, TX.
Family and household
- Eligible if you are related to a current member as a spouse, natural or adopted child, foster or step-child, parent or parent-in-law, grandparent or grandchild, brother or sister, stepbrother or stepsister, brother- or sister-in-law, or son- or daughter-in-law.
- Eligible if you are the surviving spouse of a deceased member.
Cost to join
- Must have a minimum $5 opening deposit and continued balance.
Membership information collected October 4, 2026.