Credit union · NCUA insured
WestEdge Credit Union CD Rates
Top CarrotWestEdge Credit Union’s best CD rate is 3.45% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How WestEdge Credit Union’s CD rates compare
Compared with banks and credit unions near Bellingham, WA, where WestEdge Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WestEdge Credit Union
3.45%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $345
Share Certificates
Top rate
WECU
4.65%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $269
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
WestEdge Credit Union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo2.99%
- QualifiedQualified3.45%
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 WestEdge 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 3.45%APY · 5 terms
Dividends are paid monthly. Dividends paid on Share Certificates can be reinvested into certificate or deposited into another WestEdge savings account. Some penalties may apply for early withdrawals: loss of 90 days dividends for 6-12 month certificates; loss of 180 day dividend for 18-36 month certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 90 days dividends | 3.04% | $151 |
| 12 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 90 days dividends | 3.45% | $345 |
| 18 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 180 day dividend | 3.30% | $499 |
| 24 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 180 day dividend | 3.30% | $671 |
| 36 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 180 day dividend | 2.99% | $924 |
Sources (1)
- westedgecu.org/certificates · captured Sep 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.45%APY · 5 terms
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings Accounts. Dividends are paid monthly. Early withdrawal penalty: loss of 90 days dividends for 6-12 month certificates; loss of 180 day dividend for 18-36 month certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 90 days dividends | 3.04% | $151 |
| 12 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 90 days dividends | 3.45% | $345 |
| 18 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 180 day dividend | 3.30% | $499 |
| 24 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 180 day dividend | 3.30% | $671 |
| 36 monthsDividends are paid monthly. Early withdrawal penalty: Loss of 180 day dividend | 2.99% | $924 |
Sources (3)
All captured Sep 15, 2026
Youth Certificate Accounts
Up to 3.45%APY · 2 terms
Designed for members up to 17 years of age (must be 17 years of age or younger). Additional deposits are allowed at any time during the certificate term. Dividends are paid monthly. Early withdrawal penalty: Loss of 90 days dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust be 17 years of age or younger. Additional deposits allowed during term. Dividends paid monthly. Early withdrawal penalty: Loss of 90 days dividends | 3.04% | $151 |
| 12 monthsMust be 17 years of age or younger. Additional deposits allowed during term. Dividends paid monthly. Early withdrawal penalty: Loss of 90 days dividends | 3.45% | $345 |
Sources (1)
- westedgecu.org/youth-accounts · captured Sep 15, 2026
Who can join WestEdge Credit Union
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