# Westmark Credit Union CD and share certificate rates

As of October 22, 2026, Westmark Credit Union's highest tracked CD (share certificate) rate is 4.40% APY on a 36-month CD ($500 minimum). That is 3.2 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 1.50% to 4.40% APY.

Canonical page: https://apyledger.com/cd-rates/westmark-credit-union
Institution: Westmark Credit Union (NCUA 68353)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:59.000Z (October 22, 2026)
Official source: https://www.westmark.org/rates/
Coverage: Membership required. Term certificates ($500 minimum) and Liquid Term certificates ($5,000 minimum); the credit union says term certificate rates are tiered by deposit amount, so confirm the rate for your balance. Early withdrawal penalties may apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Term Certificate | standard | 90 days | $500 | 1.50% | Not ZIP-priced | −2.79% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 180 days | $500 | 2.00% | Not ZIP-priced | −2.40% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 8 months | $500 | 4.00% | Not ZIP-priced | −0.45% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 9 months | $500 | 3.80% | Not ZIP-priced | −0.68% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 11 months | $500 | 3.90% | Not ZIP-priced | −0.64% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 12 months | $500 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 13 months | $500 | 4.25% | Not ZIP-priced | −0.35% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Liquid Term Certificate | standard | 15 months | $5,000 | 3.75% | Not ZIP-priced | −0.90% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 18 months | $500 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 23 months | $500 | 3.75% | Not ZIP-priced | −1.09% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 24 months | $500 | 4.35% | Not ZIP-priced | −0.52% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 36 months | $500 | 4.40% | Not ZIP-priced | −0.55% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 48 months | $500 | 4.40% | Not ZIP-priced | −0.58% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |
| Term Certificate | standard | 60 months | $500 | 4.40% | Not ZIP-priced | −0.61% | 2026-10-22T16:25:59.000Z | [Snapshot 420](https://apyledger.com/snapshots/420) |

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.