Westerra rates: up to 7% APY
credit union · NCUA CHARTER 65788 · www.westerracu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Holiday Club | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Regular Savings | $100 or more+ | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Savings Account | 7% | APY | 2026-11-01 | since 2026-11-01 | ||
| SummerPay Saver | $0 - $10,000 | 6.00% | APY | 2026-11-01 | since 2026-11-01 | |
| SummerPay Saver | $10,000.01+ | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 Month · $500 | 1.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account CDs | 3 Month · $500 | 1.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit Promo Rates. | 5 Month · $500 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 Month · $500 | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account CDs | 6 Month · $500 | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month · $500 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account CDs | 12 Month · $500 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit Term | 12 Month · $100,000 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit Promo Rates. | 13 Month · $500 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit Promo Rates. | 19 Month · $500 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Month · $500 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account CDs | 24 Month · $500 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit Term | 24 Month · $100,000 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit Promo Rates. | 31 Month · $500 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Month · $500 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account CDs | 36 Month · $500 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Month · $500 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account CDs | 48 Month · $500 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Month · $500 | 1.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account CDs | 60 Month · $500 | 1.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit Term | 60 Month · $100,000 | 1.65% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $0-$999.99 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $1,000-$9,999.99 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000-$24,999.99 | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000-$49,999.99 | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000-$99,999.99 | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000-$249,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000 and over | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select | $0-$999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select | $1,000-$9,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select | $10,000-$24,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select | $25,000-$49,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select | $50,000-$99,999.99 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select | $100,000-$249,999.99 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select | If requirements *** are met, the following rate will apply · $250,000+ | 3.25% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Interest Checking | $0-$2,499.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Interest Checking | $2,500-$24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Interest Checking | $25,000-$49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Interest Checking | $50,000+ | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Money Checking | If requirements** are met, the following rate will apply to applicable Daily Balance · $0-$2,000.00 | 6.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Money Checking | $2,000.01-$4,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Money Checking | $4,000.01-$6,000.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Money Checking | $6,000.01-$8,000.00 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Money Checking | $8,000.01-$10,000.00 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Money Checking | $10,000.01+ | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.westerracu.com/savings | 2026-11-01 19:15 UTC | ok | 11658248c64b |
| www.westerracu.com/savings/certificate-of-deposit | 2026-11-01 19:05 UTC | ok | c318bff07322 |
| www.westerracu.com/rates | 2026-11-01 19:05 UTC | ok | f521fb0db893 |