Credit union · NCUA insured
Westar Federal Credit Union CD Rates
Westar Federal Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Westar Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Westar Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Westar Federal Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
Share Certificates
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Westar Federal Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.40%
- 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 Westar Federal 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.
Share Certificates
Up to 3.50%APY · 6 terms
All share certificates have a fixed term, ranging from 6 months to 48 months. Benefits include: $500 minimum balance, federally insured, early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed. Membership restrictions apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed | 3.40% | $1,055 |
| 48 monthsEarly withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed | 3.40% | $1,431 |
Share Certificate – Member Loyalty Rates
Up to 0.70%APY · 6 terms
Requires 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Minimum of $500, $250 for Star Savings. An early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMember Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply | 0.15% | $7 |
| 12 monthsMember Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply | 0.45% | $45 |
| 18 monthsMember Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply | 0.45% | $68 |
| 24 monthsMember Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply | 0.50% | $100 |
| 36 monthsMember Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply | 0.60% | $181 |
| 48 monthsMember Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply | 0.70% | $283 |
Sources (1)
- westarfcu.com/share-certificate-member-loyalty-rates · captured Oct 16, 2026
Who can join Westar Federal Credit Union
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