Credit Union West CD & Share Certificate Rates — October 2026
As of October 22, 2026, Credit Union West's highest tracked CD (share certificate) rate is 4.30% APY on a 9-month promotional CD ($500 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.25% to 4.00% APY.
Tracking began .
Credit Union West CD & share certificate rates
Membership required. Standard, youth and 9-month promotional certificates with a $500 minimum. IRA and business certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 6 months | Certificate | 4.00%Top 23% · $10k reference sampleVerified October 22, 2026 |
| 9 months | Promotional Certificate Promotional | 4.30%Top 9% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Youth Certificate Special | 4.15%Top 20% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Certificate | 3.50%Top 56% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Youth Certificate Special | 3.25%Top 51% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Certificate | 3.25%Top 52% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.30% APY (9 months). The standard rate for a similar term is 4.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $30 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Credit Union West's best CD rates by term?
Credit Union West's best rate is 4.30% APY on 9 months, verified October 22, 2026.
- 6 mo4.00%
- 9 mo4.30%
- 12 mo4.15%
- 24 mo3.50%
- 36 mo3.25%
- 60 mo3.25%
How much interest could a Credit Union West CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$321.09 interest · $10,321.09 at maturity on $10,000.00.
4.30% APY · 9 months · Promotional Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $99.294.00% APY · Certificate · Standard | $198.594.00% APY · Certificate · Standard | $496.474.00% APY · Certificate · Standard | $992.934.00% APY · Certificate · Standard |
| 9 months | $160.554.30% APY · Promotional Certificate · Promotional | $321.094.30% APY · Promotional Certificate · Promotional | $802.744.30% APY · Promotional Certificate · Promotional | $1,605.474.30% APY · Promotional Certificate · Promotional |
| 12 months | $207.504.15% APY · Youth Certificate · Special | $415.004.15% APY · Youth Certificate · Special | $1,037.504.15% APY · Youth Certificate · Special | $2,075.004.15% APY · Youth Certificate · Special |
| 24 months | $356.123.50% APY · Certificate · Standard | $712.253.50% APY · Certificate · Standard | $1,780.623.50% APY · Certificate · Standard | $3,561.253.50% APY · Certificate · Standard |
| 36 months | $503.523.25% APY · Youth Certificate · Special | $1,007.033.25% APY · Youth Certificate · Special | $2,517.583.25% APY · Youth Certificate · Special | $5,035.153.25% APY · Youth Certificate · Special |
| 60 months | $867.063.25% APY · Certificate · Standard | $1,734.113.25% APY · Certificate · Standard | $4,335.283.25% APY · Certificate · Standard | $8,670.573.25% APY · Certificate · Standard |
How Credit Union West compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 94 tracked institutions with fresh 274-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Credit Union West (this institution)Promotional Certificate · Promotional | 9 months | $500 | Coverage: AZ | 4.30% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| Marcus by Goldman SachsHigh-Yield CD · Standard | 9 months | $500 | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV | 5.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Credit Union West on October 22, 2026.
About Credit Union West
- Legal name
- Credit Union West
- Regulator ID
- NCUA 68421
- Headquarters
- Glendale, AZ
- Available in
- AZ
- Total assets
- $1.5 billion
- Also known as
- Website
- www.cuwest.org
Source: rates read from https://www.cuwest.org/resources/rates-and-fees. See the page text we read.
Frequently asked questions
What is the highest CD rate at Credit Union West?
Among the rates we track, 4.30% APY on a 9-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Credit Union West CD?
The lowest minimum we found is $500.
How does Credit Union West's best CD rate compare with Treasury yields?
4.30% APY is −0.18% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Credit Union West CDs insured?
Credit Union West is a federally insured credit union (NCUA 68421). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Credit Union West?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Credit Union West's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Credit Union West's website and may change at any time. Confirm terms, minimums and eligibility with Credit Union West before opening an account. This page is not financial advice.