Term Certificates

It’s always smart to invest in a sure thing. These certificates guarantee you a solid return — just pick your term to lock in a rate.

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Key Features

  • Guaranteed Returns
  • Wide Range of Terms
  • No Monthly Maintenance Fees
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For a limited time, earn 4.30% APY* with a WestStar 13-Month Term Certificate.

Whether you’re moving money from another financial institution or putting existing savings to work, a Term Certificate, commonly known as Certificates of Deposit (CDs) can give your money the opportunity to earn more.

How much could you earn?

•$10,000 earns approximately $467^
•$25,000 earns approximately $1,167^
•$50,000 earns approximately $2,335^
•$100,000 earns approximately $4,671^
•$250,000 earns approximately $11,677^
 
When you’re moving a significant amount of money, you want more than a competitive rate. You want confidence in where you’re putting it. WestStar Credit Union is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per account. Additional funds above the NCUA insurance limit are protected by private insurance through Excess Share Insurance (ESI), providing coverage up to an additional $2 million.
 
Have the flexibility to wait?

Give your money more time to work and earn more dividends over time. If you don't need access to your savings for several years, our 60-Month Term Certificate offers 4.55% APY*

A competitive rate. Protection for your savings. A credit union you can trust. Move your funds to WestStar and give your money a raise.

Visit your nearest branch or contact us to learn more.

*Annual Percentage Yield (APY). APY is accurate as of 09/01/2026. The APY is fixed and will remain in effect until the certificate matures. At maturity, the 13-Month Term Certificate will auto renew to a 12-month Term at the current rate. The minimum balance required to open and earn the APY is $500.00. Early withdrawals are subject to penalty. Fees could reduce earnings on this account. Offer can end at any time and without notice. ^Approximate Dividend is for illustrative purposes only and may vary. Share Savings with a minimum balance and membership eligibility is required to become a member. For a complete list of eligibility groups and organizations, please visit WestStar.org/join.

  • Competitive, fixed rates that beat standard savings
  • Provides more guarantee than other, more risky, investments
  • Set aside for future savings goals
  • A wide range of terms to fit your goals
  • IRA Term Certificates available
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open

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WestStar Credit Union Savings accounts are Federally Insured up to $250,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration (NCUA), an agency of the federal government. View NCUA Insurance Calculator.

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