Credit union · NCUA insured
Wescom Financial CD Rates
Wescom Financial’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Wescom Financial’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Wescom Financial has the most branches. $10,000, best rate first.
This credit union’s best
Wescom Financial
4.00%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,167
Share Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Wescom Financial CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Wescom Financial 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 Certificate
Up to 4.00%APY · 8 terms
Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMember tier; 90 to 179 days | 1.15% | $29 |
| 3 monthsPlatinum Signature Member tier; 90 to 179 days | 1.25% | $31 |
| 3 monthsSignature Member tier; 90 to 179 days | 1.20% | $30 |
| 6 monthsMember tier; 180 to 364 days | 2.90% | $144 |
| 6 monthsPlatinum Signature Member tier; 180 to 364 days | 3.00% | $149 |
| 6 monthsSignature Member tier; 180 to 364 days | 2.95% | $146 |
| 12–17 monthsMember tier; 12 to 17 months | 3.15% | $315 |
| 12–17 monthsPlatinum Signature Member tier; 12 to 17 months | 3.25% | $325 |
| 12–17 monthsSignature Member tier; 12 to 17 months | 3.20% | $320 |
| 18–23 monthsMember tier; 18 to 23 months | 2.40% | $362 |
| 18–23 monthsPlatinum Signature Member tier; 18 to 23 months | 2.50% | $377 |
| 18–23 monthsSignature Member tier; 18 to 23 months | 2.45% | $370 |
| 24–35 monthsMember tier; 24 to 35 months | 2.90% | $588 |
| 24–35 monthsPlatinum Signature Member tier; 24 to 35 months | 3.00% | $609 |
| 24–35 monthsSignature Member tier; 24 to 35 months | 2.95% | $599 |
| 36–47 monthsMember tier; 36 to 47 months | 3.40% | $1,055 |
| 36–47 monthsPlatinum Signature Member tier; 36 to 47 months | 3.50% | $1,087 |
| 36–47 monthsSignature Member tier; 36 to 47 months | 3.45% | $1,071 |
| 48–59 monthsMember tier; 48 to 59 months | 3.65% | $1,542 |
| 48–59 monthsPlatinum Signature Member tier; 48 to 59 months | 3.75% | $1,587 |
| 48–59 monthsSignature Member tier; 48 to 59 months | 3.70% | $1,564 |
| 60 monthsMember tier; 60 months | 3.90% | $2,108 |
| 60 monthsPlatinum Signature Member tier; 60 months | 4.00% | $2,167 |
| 60 monthsSignature Member tier; 60 months | 3.95% | $2,137 |
Sources (1)
- wescom.org/accounts/certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 8 terms
Certificate Accounts - Both Roth and Traditional IRAs. Rates as of 01/28/2026 and subject to change without notice. APY assumes dividends remain on deposit until maturity. Minimum balance and opening deposit to obtain APY is $500.00. Early withdrawal penalty may apply. Rate bonus by membership tier (Member, Signature Member, Platinum Signature Member).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMember tier; 90 to 179 days | 1.15% | $29 |
| 3 monthsPlatinum Signature Member tier; 90 to 179 days | 1.25% | $31 |
| 3 monthsSignature Member tier; 90 to 179 days | 1.20% | $30 |
| 6 monthsMember tier; 180 to 364 days | 2.90% | $144 |
| 6 monthsPlatinum Signature Member tier; 180 to 364 days | 3.00% | $149 |
| 6 monthsSignature Member tier; 180 to 364 days | 2.95% | $146 |
| 12 monthsMember tier; 12 to 17 months | 3.15% | $315 |
| 12 monthsPlatinum Signature Member tier; 12 to 17 months | 3.25% | $325 |
| 12 monthsSignature Member tier; 12 to 17 months | 3.20% | $320 |
| 18 monthsMember tier; 18 to 23 months | 2.40% | $362 |
| 18 monthsPlatinum Signature Member tier; 18 to 23 months | 2.50% | $377 |
| 18 monthsSignature Member tier; 18 to 23 months | 2.45% | $370 |
| 24 monthsMember tier; 24 to 35 months | 2.90% | $588 |
| 24 monthsPlatinum Signature Member tier; 24 to 35 months | 3.00% | $609 |
| 24 monthsSignature Member tier; 24 to 35 months | 2.95% | $599 |
| 36 monthsMember tier; 36 to 47 months | 3.40% | $1,055 |
| 36 monthsPlatinum Signature Member tier; 36 to 47 months | 3.50% | $1,087 |
| 36 monthsSignature Member tier; 36 to 47 months | 3.45% | $1,071 |
| 48 monthsMember tier; 48 to 59 months | 3.65% | $1,542 |
| 48 monthsPlatinum Signature Member tier; 48 to 59 months | 3.75% | $1,587 |
| 48 monthsSignature Member tier; 48 to 59 months | 3.70% | $1,564 |
| 60 monthsMember tier; 60 months | 3.90% | $2,108 |
| 60 monthsPlatinum Signature Member tier; 60 months | 4.00% | $2,167 |
| 60 monthsSignature Member tier; 60 months | 3.95% | $2,137 |
Sources (1)
- wescom.org/accounts/retirement-accounts · captured Oct 6, 2026
Transitional IRA
3.65%APY · 1 term
Park funds for a 3-month term while examining investment options after rollover of a qualified retirement plan from another financial institution. Rate effective 2026-01-28. APY assumes dividends remain on deposit until maturity. Minimum balance and opening deposit $500.00. Early withdrawal penalty may apply. Same rate across Member, Signature Member, and Platinum Signature Member tiers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFor rollover of qualified retirement plan funds from another financial institution. 3-month term. Same rate for Member, Signature Member, and Platinum Signature Member tiers | 3.65% | $90 |
Sources (1)
- wescom.org/accounts/retirement-accounts · captured Oct 16, 2026
College Saver Certificate
3.50%APY · 1 term
Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $250.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months36-month College Saver Certificate; 3.44% interest / 3.50% APY; minimum balance $250.00 | 3.50% | $1,087 |
Sources (1)
- wescom.org/accounts/certificates · captured Oct 16, 2026
Who can join Wescom Financial
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 California are eligible for membership.
Military, government and schools
- UCLA alumni are eligible for membership, even if not living in Southern California.
Family and household
- Family members of current Wescom Financial members may be eligible for membership.
Cost to join
- Establishing membership requires opening a Regular Savings Account with a minimum deposit of $1.
Membership information collected October 5, 2026.