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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This fall, give your savings the opportunity to earn more.

Whether you’re preparing for the holidays or planning for what's ahead, WestStar's Term Certificates specials, also known as Certificates of Deposits (CDs), offer competitive rates for your savings.

4.25% APY* 5-Month Term Certificate

4.40% APY* 15-Month Term Certificate

Choose the term that fits your goals and let your money do a little more while you're doing what matters most.

How much could you earn?

•$100,000 at 4.25% for 5-Months earns approximately $1,760^
•$100,000 at 4.40% for 15-Months earns approximately $5,522^
 
Two terms. One Goal: Make more of your savings.
 
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.
 

Competitive rate. Protection for your savings. A credit union you can trust. Move your funds to WestStar and let your savings shine brighter.

Visit your nearest branch or contact us to learn more.

*Annual Percentage Yield (APY). APY is accurate as of 10/01/2026. The APY is fixed and will remain in effect until the certificate matures. At maturity, the 5-Month Term Certificate will auto renew to a 3-month Term and the 15-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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