Credit union · NCUA insured
WECU CD Rates
Top CarrotWECU’s best CD rate is 4.65% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How WECU’s CD rates compare
Compared with banks and credit unions near Bellingham, WA, where WECU has the most branches. $10,000, best rate first.
This credit union’s best
WECU
4.65%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $269
7-Month Savings Certificate Special
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
First Fed Bank
4.20%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $456
WECU CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo4.65%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.65%
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 WECU 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.
7-Month Savings Certificate Special
4.65%APY · 1 term
Digital offer available for a limited time on new money only (funds not at WECU in any account prior to taking advantage of special). Must be opened online to qualify. Non-renewable; automatically renews into a 6-month certificate upon maturity. Not available for IRA or Business certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsOnline only. New money only. $500 minimum to open. Non-renewable certificate that renews into a 6-month certificate upon maturity | 4.65% | $269 |
Savings Certificates
Up to 3.75%APY · 7 terms
Minimum opening balance of $500. Early withdrawal penalty applies. Accrues daily, compounds quarterly. Automatically renews for another term upon maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days' dividends | 3.75% | $186 |
| 12 monthsEarly withdrawal penalty of 180 days' dividends | 3.75% | $375 |
| 18 monthsEarly withdrawal penalty of 180 days' dividends | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty of 180 days' dividends | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty of 180 days' dividends | 3.25% | $1,007 |
| 48 monthsEarly withdrawal penalty of 360 days' dividends | 3.00% | $1,255 |
| 60 monthsEarly withdrawal penalty of 360 days' dividends | 3.00% | $1,593 |
Sources (2)
All captured Oct 22, 2026
Stash Add-On Savings Certificate
3.60%APY · 2 terms
Allows unlimited additional deposits during the certificate term. $50 minimum opening balance. Early withdrawal penalty applies. Not available for business or IRA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days' dividends. Allows add-on deposits. ($50 minimum opening balance) | 3.60% | $178 |
| 12 monthsEarly withdrawal penalty of 180 days' dividends. Allows add-on deposits. ($50 minimum opening balance) | 3.60% | $360 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 7 terms
Minimum opening balance of $500. Early withdrawal penalty applies, except required minimum distributions (RMD) on IRA certificates are paid without penalty. Fixed rate for full term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days' dividends | 3.75% | $186 |
| 12 monthsEarly withdrawal penalty of 180 days' dividends | 3.75% | $375 |
| 18 monthsEarly withdrawal penalty of 180 days' dividends | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty of 180 days' dividends | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty of 180 days' dividends | 3.25% | $1,007 |
| 48 monthsEarly withdrawal penalty of 360 days' dividends | 3.00% | $1,255 |
| 60 monthsEarly withdrawal penalty of 360 days' dividends | 3.00% | $1,593 |
Who can join WECU
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 Washington are eligible for membership.
Family and household
- Family members of individuals who live, work, worship, or attend school in Washington are eligible for membership.
Other ways
- Businesses that are majority-owned and operated within Washington are eligible for membership.
Membership information collected October 4, 2026.