Credit union · NCUA insured
West Community Credit Union CD Rates
West Community Credit Union’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How West Community Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where West Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
West Community Credit Union
4.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $366
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
West Community Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.25%
- 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 West Community 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.
Certificates of Deposit
Up to 4.00%APY · 8 terms
Early withdrawal penalties apply. A withdrawal may reduce earnings. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubject to early withdrawal penalty | 3.00% | $149 |
| 11 monthsLimited time special offer. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union or Gateway Metro Federal Credit Union. Minimum opening deposit of $500. Membership eligibility required. Early withdrawal penalties apply | 4.00% | $366 |
| 12 monthsSubject to early withdrawal penalty | 3.65% | $365 |
| 18 monthsSubject to early withdrawal penalty | 3.15% | $476 |
| 24 monthsSubject to early withdrawal penalty | 3.15% | $640 |
| 36 monthsSubject to early withdrawal penalty | 3.25% | $1,007 |
| 48 monthsSubject to early withdrawal penalty | 3.25% | $1,365 |
| 60 monthsSubject to early withdrawal penalty | 3.25% | $1,734 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Roth/Traditional IRA CDs & Coverdell Savings
Up to 4.00%APY · 8 terms
Traditional and Roth IRAs available with no annual maintenance fees. Penalty imposed for early withdrawal. Minimum opening deposit of $500. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty imposed for early withdrawal | 3.00% | $149 |
| 11 monthsLimited time special offer. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union or Gateway Metro Federal Credit Union. Minimum opening deposit of $500. Membership eligibility required. Early withdrawal penalties apply | 4.00% | $366 |
| 12 monthsPenalty imposed for early withdrawal | 3.65% | $365 |
| 18 monthsPenalty imposed for early withdrawal | 3.15% | $476 |
| 24 monthsPenalty imposed for early withdrawal | 3.15% | $640 |
| 36 monthsPenalty imposed for early withdrawal | 3.25% | $1,007 |
| 48 monthsPenalty imposed for early withdrawal | 3.25% | $1,365 |
| 60 monthsPenalty imposed for early withdrawal | 3.25% | $1,734 |
Sources (3)
- westcommunitycu.org/rates/rates-savings.htm
- westcommunitycu.org/accounts/certificates.htm
- westcommunitycu.org/accounts/ira.htm
All captured Oct 5, 2026
Who can join West Community Credit Union
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 or works in St. Louis County, MO; St. Louis, MO; St. Charles County, MO; Warren County, MO; Franklin County, MO; Lincoln County, MO; Boone County, MO; Jefferson County, MO; Sikeston, MO; Madison County, IL; Monroe County, IL; or St. Clair County, IL.
Military, government and schools
- Membership is open to MIZZOU, Stephens College, and Columbia College students, faculty, staff, alumni, and student organizations.
Family and household
- Membership is open to anyone with a qualifying family member (parent, legal guardian, spouse, son, daughter, sibling, grandparent, grandchild, nephew, niece, uncle, aunt, first cousin, step, in-law, and adoptive relationships) living or working in any of the listed geographic affiliations, regardless of whether that family member is an existing member.
Cost to join
- Membership requires a $5 initial share deposit in a savings account.
Membership information collected October 4, 2026.