Credit union · NCUA insured
Westerly Community Credit Union CD Rates
Westerly Community Credit Union’s best CD rate is 3.65% APY on a 14-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Westerly Community Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where Westerly Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Westerly Community Credit Union
3.65%APY
- Term
- 14 months
- Minimum
- $10,000
- Earns on $10,000
- $427
14 Month CD Special
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Westerly Community Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.65%
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 Westerly 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.
14 Month CD Special
3.65%APY · 1 term
Limited time offer. Rate shown requires new money only (monies transferred from another financial institution). Existing WCCU members are eligible when an additional $10,000 in new money is added to their WCCU funds. Interest will be deposited into a WCCU account only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsLimited time offer for new money only. Existing members require $10,000 in new money. Penalty will be imposed for early withdrawal. Interest deposited into WCCU account only | 3.65% | $427 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
8 Month CD Special
2.95%APY · 1 term
Limited time offer.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 8 monthsA penalty will be imposed for early withdrawal | 2.95% | 3.10% | 3.30% | 3.45% | 2.95%3.10% $25k–$50k3.30% $50k–$100k3.45% from $100k | $196 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
11 Month CD Special
2.85%APY · 1 term
Limited time offer.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 11 monthsMinimum daily balance to earn APY is $100,000 and above. A penalty will be imposed for early withdrawal | — | — | — | 3.35% | —3.35% from $100k | — |
| 11 monthsMinimum daily balance to earn APY is $25,000 to $49,999.99. A penalty will be imposed for early withdrawal | — | 3.00% | — | — | —3.00% $25k–$50k | — |
| 11 monthsMinimum daily balance to earn APY is $50,000 to $99,999.99. A penalty will be imposed for early withdrawal | — | — | 3.20% | — | —3.20% $50k–$100k | — |
| 11 monthsMinimum daily balance to earn APY is $500 to $24,999.99. A penalty will be imposed for early withdrawal | 2.85% | — | — | — | 2.85% | $261 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
Certificates of Deposit
Up to 3.35%APY · 8 terms
Minimum deposit and balance required. Withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 3.00% | $149 |
| 12 months | 2.85% | $285 |
| 18 months | 3.35% | $507 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 0.65% | $263 |
| 60 months | 0.70% | $355 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
Premier 3 Month CD Special
2.50%APY · 1 term
Features 1 penalty-free withdrawal and unlimited deposits. Requires a WCCU Checking Account at opening to receive the premier rate. If the checking requirement is not met, the traditional 3 month certificate of deposit interest rate, as listed on the website at the time of default, will be applied for the duration of the term. One penalty free withdrawal allowed during CD term, unless the withdrawal occurs within 6 days of initial deposit or within 6 days of a previous withdrawal.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsRequires WCCU Checking Account at opening; minimum daily balance to earn APY is $100,000 and above | — | — | — | 3.00% | —3.00% from $100k | — |
| 3 monthsRequires WCCU Checking Account at opening; minimum daily balance to earn APY is $25,000 to $49,999.99 | — | 2.65% | — | — | —2.65% $25k–$50k | — |
| 3 monthsRequires WCCU Checking Account at opening; minimum daily balance to earn APY is $50,000 to $99,999.99 | — | — | 2.85% | — | —2.85% $50k–$100k | — |
| 3 monthsRequires WCCU Checking Account at opening; minimum daily balance to earn APY is $500 to $24,999.99 | 2.50% | — | — | — | 2.50% | $62 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
Special-purpose accounts
14 Month IRA Special
3.65%APY · 1 term
Limited time offer. Rate shown requires new money only (monies transferred from another financial institution). Existing WCCU members are eligible when an additional $10,000 in new money is added to their WCCU funds. Interest will be deposited into a WCCU account only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsLimited time offer for new money only. Existing members require $10,000 in new money. Penalty will be imposed for early withdrawal. Interest deposited into WCCU account only | 3.65% | $427 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
8 Month IRA Special
2.95%APY · 1 term
Limited time offer. Tax-advantaged Traditional and Roth IRAs available.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 8 monthsA penalty will be imposed for early withdrawal | 2.95% | 3.10% | 3.30% | 3.45% | 2.95%3.10% $25k–$50k3.30% $50k–$100k3.45% from $100k | $196 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
11 Month IRA Special
2.85%APY · 1 term
Limited time offer. Tax-advantaged Traditional and Roth IRAs available.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 11 monthsMinimum daily balance to earn APY is $100,000 and above. A penalty will be imposed for early withdrawal | — | — | — | 3.35% | —3.35% from $100k | — |
| 11 monthsMinimum daily balance to earn APY is $25,000 to $49,999.99. A penalty will be imposed for early withdrawal | — | 3.00% | — | — | —3.00% $25k–$50k | — |
| 11 monthsMinimum daily balance to earn APY is $50,000 to $99,999.99. A penalty will be imposed for early withdrawal | — | — | 3.20% | — | —3.20% $50k–$100k | — |
| 11 monthsMinimum daily balance to earn APY is $500 to $24,999.99. A penalty will be imposed for early withdrawal | 2.85% | — | — | — | 2.85% | $261 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
IRAs
Up to 3.35%APY · 8 terms
Traditional and Roth IRAs available. Minimum deposit and balance required. Withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance to earn APY is $500 | 0.10% | $2 |
| 6 monthsMinimum daily balance to earn APY is $500 | 3.00% | $149 |
| 12 monthsMinimum daily balance to earn APY is $500 | 2.85% | $285 |
| 18 monthsMinimum daily balance to earn APY is $500 | 3.35% | $507 |
| 24 monthsMinimum daily balance to earn APY is $500 | 3.00% | $609 |
| 36 monthsMinimum daily balance to earn APY is $500 | 3.00% | $927 |
| 48 monthsMinimum daily balance to earn APY is $500 | 0.65% | $263 |
| 60 monthsMinimum daily balance to earn APY is $500 | 0.70% | $355 |
Sources (1)
- westerlyccu.com/resources/explore/rates/deposit-rates · captured Oct 15, 2026
Who can join Westerly Community Credit Union
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