# Westerra Credit Union CD and share certificate rates

As of October 22, 2026, Westerra Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 19-month promotional CD ($500 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.55% to 1.85% APY.

Canonical page: https://apyledger.com/cd-rates/westerra-credit-union
Institution: Westerra Credit Union (NCUA 65788)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:59.000Z (October 22, 2026)
Official source: https://www.westerracu.com/savings/certificate-of-deposit
Coverage: Membership required. Promotional CDs (5, 13, 19 and 31 months), standard CDs and $100,000 jumbo CDs; promotional and standard CDs require $500. The 31-month promotional CD carries a 360-day early withdrawal penalty and does not allow partial withdrawals.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | standard | 3 months | $500 | 1.85% | Not ZIP-priced | −2.44% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Promo Certificate of Deposit (CD) | promotional | 5 months | $500 | 3.50% | Not ZIP-priced | −0.89% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Certificate of Deposit (CD) | standard | 6 months | $500 | 1.70% | Not ZIP-priced | −2.70% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Certificate of Deposit (CD) | standard | 12 months | $500 | 1.60% | Not ZIP-priced | −2.97% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Jumbo Certificate of Deposit (CD) | standard | 12 months | $100,000 | 1.60% | Not ZIP-priced | −2.97% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Promo Certificate of Deposit (CD) | promotional | 13 months | $500 | 3.75% | Not ZIP-priced | −0.85% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Promo Certificate of Deposit (CD) | promotional | 19 months | $500 | 4.00% | Not ZIP-priced | −0.74% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Certificate of Deposit (CD) | standard | 24 months | $500 | 1.55% | Not ZIP-priced | −3.32% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Jumbo Certificate of Deposit (CD) | standard | 24 months | $100,000 | 1.55% | Not ZIP-priced | −3.32% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Promo Certificate of Deposit (CD) | promotional | 31 months | $500 | 4.00% | Not ZIP-priced | −0.92% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Certificate of Deposit (CD) | standard | 36 months | $500 | 1.55% | Not ZIP-priced | −3.40% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Certificate of Deposit (CD) | standard | 48 months | $500 | 1.60% | Not ZIP-priced | −3.38% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Certificate of Deposit (CD) | standard | 60 months | $500 | 1.65% | Not ZIP-priced | −3.36% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |
| Jumbo Certificate of Deposit (CD) | standard | 60 months | $100,000 | 1.65% | Not ZIP-priced | −3.36% | 2026-10-22T16:25:59.000Z | [Snapshot 419](https://apyledger.com/snapshots/419) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.