Credit union · NCUA insured
Westerra Credit Union CD Rates
Westerra Credit Union’s best CD rate is 1.85% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Westerra Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Westerra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Westerra Credit Union
1.85%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $46
Certificates of Deposit (CDs)
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Westerra Credit Union CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo1.85%
- 9–15 months9–15 mo1.60%
- 16–30 months16–30 mo1.55%
- 31–60 months31–60 mo1.65%
- QualifiedQualified1.85%
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 Westerra 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 (CDs)
Up to 1.85%APY · 7 terms
Certificates of Deposits (CD) have minimum balance of $500.00 required to open an account. Penalties apply for early withdrawal and may affect principal balance. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.85% | $46 |
| 6 months | 1.70% | $85 |
| 12 months | 1.60% | $160 |
| 24 months | 1.55% | $312 |
| 36 months | 1.55% | $472 |
| 48 months | 1.60% | $656 |
| 60 months | 1.65% | $853 |
Sources (1)
- westerracu.com/resources/rates · captured Oct 4, 2026
Jumbo Certificates of Deposit (CDs)
Up to 1.65%APY · 3 terms
Jumbo CDs have a minimum balance of $100,000 required to open an account. IRAs are not Jumbo CDs eligible. Penalties apply for early withdrawal and may affect principal balance. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.60% | — |
| 24 months | 1.55% | — |
| 60 months | 1.65% | — |
Sources (1)
- westerracu.com/resources/rates · captured Oct 4, 2026
Special-purpose accounts
Promo Certificates of Deposit (CDs)
Up to 4.00%APY · 4 terms
Certificates of Deposit (CD) have a minimum balance of $500.00 required to open an account. Individual Retirement Accounts (IRA) CDs are included for Certain CDs. Penalties apply for early withdrawal. Early withdrawal penalties may affect principal balance. Limited time offer Westerra Credit Union reserves the right to modify or cancel terms without notice. Fees may reduce earnings. 31-month Promotional CD requires new money (funds not on deposit at Westerra for at least 90 days prior to opening; transfers from existing accounts do not qualify) and IRAs are not included in the 31-month offer. At maturity, 5-month CD renews to 3-month, 13-month and 19-month renew to 12-month, and 31-month renews to 24-month at base rate in effect. Seven calendar days grace period. 31-month early withdrawal penalty of 360 days of interest; partial withdrawals not permitted during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsAt maturity, if you choose to renew, proceeds automatically renew to a 3-month CD with base rate in effect. 7 calendar days grace period. Available to new and existing members, including IRA CDs. Early withdrawal penalties apply | 3.50% | $144 |
| 13 monthsAt maturity, if you choose to renew, proceeds automatically renew to a 12-month CD with base rate in effect. 7 calendar days grace period. Available to new and existing members, including IRA CDs. Early withdrawal penalties apply | 3.75% | $407 |
| 19 monthsAt maturity, if you choose to renew, proceeds automatically renew to a 12-month CD with base rate in effect. 7 calendar days grace period. Available to new and existing members, including IRA CDs. Early withdrawal penalties apply | 4.00% | $641 |
| 31 monthsRequires new money (funds not on deposit at Westerra for at least 90 days prior to opening). Funds transferred from existing Westerra accounts do not qualify. IRA CDs are not included in this offer. At maturity renews to a 24-month CD with base rate in effect. 7 calendar days grace period. Early withdrawal penalty of 360 days of interest; partial withdrawals not permitted during term | 4.00% | $1,066 |
Sources (1)
- westerracu.com/resources/rates · captured Oct 4, 2026
Individual Retirement Account (IRA) CDs
Up to 1.85%APY · 7 terms
Minimum balance of $500.00 required to open an account. Individual Retirement Plans/Accounts (IRA) CDs are subject to contribution, income and rollover limitations; consult your tax advisor. Penalties apply for early withdrawal and may affect principal balance. Traditional IRAs offer zero annual administration fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.85% | $46 |
| 6 months | 1.70% | $85 |
| 12 months | 1.60% | $160 |
| 24 months | 1.55% | $312 |
| 36 months | 1.55% | $472 |
| 48 months | 1.60% | $656 |
| 60 months | 1.65% | $853 |
Who can join Westerra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.