Credit union · NCUA insured
Westmark Credit Union CD Rates
Top CarrotWestmark Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Westmark Credit Union’s CD rates compare
Compared with banks and credit unions near Idaho Falls, ID, where Westmark Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Westmark Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $868
Term Certificates
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
Goldenwest Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $910
Westmark Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.25%
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 Westmark 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.
Term Certificates
Up to 4.25%APY · 13 terms
Minimum deposit of $500 required for all Term Certificates. Automatically renews at maturity with a 10-day grace period. Dividend rates are tiered for larger deposits. Compounded and paid at maturity for terms under 12 months, compounded quarterly for terms of 12 months or more. Early withdrawal penalty applies (90 days dividends for terms under 12 months, 180 days dividends for terms 12 months or longer).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Days term. Dividends paid at maturity. 90-day early withdrawal penalty | 1.50% | $37 |
| 6 months180 Days term. Dividends paid at maturity. 90-day early withdrawal penalty | 2.00% | $100 |
| 8 months8 Months term | 4.00% | $265 |
| 9 months9 Months term | 3.80% | $284 |
| 11 months11 Months term | 3.90% | $357 |
| 12 months12 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty | 3.95% | $395 |
| 13 months13 Months term | 4.10% | $445 |
| 18 months18 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty | 4.20% | $637 |
| 23 months23 Months term | 3.75% | $731 |
| 24 months24 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty | 4.25% | $868 |
| 36 months36 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty | 3.80% | $1,184 |
| 48 months48 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty | 3.80% | $1,609 |
| 60 months60 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty | 3.80% | $2,050 |
Liquid Term Certificate
3.75%APY · 1 term
Minimum deposit $5,000. Features 1 rate bump and 1 withdrawal (up to 25%) during your term. Dividends compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months15-month term. 1 rate bump & 1 withdrawal (up to 25%). Dividends compounded quarterly | 3.75% | $471 |
Special-purpose accounts
IRA Term Certificates
Up to 4.25%APY · 2 terms
Available for Traditional, Roth, SEP, and Coverdell Education Savings Account (CESA). Minimum deposit of $500 on 12-month and 24-month terms. Balance range $500–$19,999. Dividends on Term Certificates are calculated on the daily balance and compounded quarterly on terms of 12 months or more (paid at maturity for terms less than 12 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Months term. Traditional, Roth, SEP. Dividends compounded quarterly | 3.95% | $395 |
| 24 months24 Months term. Traditional, Roth, SEP. Dividends compounded quarterly | 4.25% | $868 |
Sources (3)
- westmark.org/new-branded-broch…t%20Accounts%20(IRA).pdf
- westmark.org/rates
- westmark.org/accounts/ira.html
All captured Oct 3, 2026
Who can join Westmark Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to those employed by or retired from most employers located in one of Westmark's 34 counties throughout Idaho.
- Eligibility is open to those who work for or are retired from one of Westmark's several hundred member firms, employer groups, or associations.
Family and household
- Eligibility is open to blood relatives of a current Westmark Credit Union member.
Cost to join
- Opening and maintaining membership requires opening a Primary Savings Account with a minimum deposit of $5.00 maintained at all times.
Membership information collected October 4, 2026.