Credit union · NCUA insured
Western Division Federal Credit Union CD Rates
Western Division Federal Credit Union’s best CD rate is 4.59% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Western Division Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Western Division Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Western Division Federal Credit Union
4.16%APY
- Term
- 10 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $345
Savings Certificates
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Western Division Federal Credit Union CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo4.16%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.78%
- QualifiedQualified4.16%
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 Western Division 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.
Savings Certificates
Up to 4.16%APY · 8 terms
Dividends compounded daily and paid quarterly. No monthly service charge. Qualifies for a Patronage Dividend. Early withdrawal penalties may apply.
| Term | APY · $250 and up | APY · $5,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.29% | — | — | 3.29% | $163 |
| 10 monthsCertificate Special requires New Money (funds not on deposit at Western Division). Cannot be purchased online. Available for a limited time | — | 4.16% | — | 4.16% | $345 |
| 11 monthsCertificate Special requires New Money (funds not on deposit at Western Division). Cannot be purchased online. Available for a limited time | — | — | 4.59% | —4.59% from $100k | — |
| 12 months | 3.29% | — | — | 3.29% | $329 |
| 24 months | 3.03% | — | — | 3.03% | $615 |
| 36 months | 2.78% | — | — | 2.78% | $857 |
| 48 months | 2.78% | — | — | 2.78% | $1,159 |
| 60 months | 2.78% | — | — | 2.78% | $1,469 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.16%APY · 8 terms
Dividends compounded daily and paid quarterly. No monthly service charge. Qualifies for a Patronage Dividend. Early withdrawal penalties may apply.
| Term | APY · $250 and up | APY · $5,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.29% | — | — | 3.29% | $163 |
| 10 monthsCertificate Special requires New Money (funds not on deposit at Western Division). Cannot be purchased online. Available for a limited time | — | 4.16% | — | 4.16% | $345 |
| 11 monthsCertificate Special requires New Money (funds not on deposit at Western Division). Cannot be purchased online. Available for a limited time | — | — | 4.59% | —4.59% from $100k | — |
| 12 months | 3.29% | — | — | 3.29% | $329 |
| 24 months | 3.03% | — | — | 3.03% | $615 |
| 36 months | 2.78% | — | — | 2.78% | $857 |
| 48 months | 2.78% | — | — | 2.78% | $1,159 |
| 60 months | 2.78% | — | — | 2.78% | $1,469 |
Sources (3)
All captured Oct 5, 2026
Who can join Western Division Federal Credit Union
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