Community West Credit Union guarantees you’ll get the Best Rate* on your Certificate of Deposit (CD)! If you find a better advertised rate at a local financial institution, we’ll meet it, beat it, or pay you $100!

CDs allow you to lock your money away for a term and offer higher yields than typical savings accounts. Our CDs can be opened with a as little as $500 initial investment. Terms range from 3 to 60 months.

  • Risk-free
  • Variable terms from three months to five years
  • Add-on CDs available
  • Minimum of $500 to open

Certificates of Deposit (CD) Specials

We are currently offering several CD specials for our members. Get great rates and better service:

  • 40-month CD, earn 4.00% APY*
  • 36-month CD, earn 3.60% APY*
  • 9-month CD, earn 3.00% APY*
  • 20-month CD, earn 2.00% APY*

Minimum deposit of $500. Rates, terms, and accounts require a membership with Community West Credit Union. CD specials valid with New Money only.

If you are interested in opening a CD, call or chat with one of our experts today!

*If you find a better yield on a CD at a financial institution based in the counties we serve, Community West CU will meet it, beat it, or pay you $100.00. Guarantee available for a limited time only. Applies only to CDs with comparable terms and conditions. Does not apply in those cases where the credit unions does not offer a comparable product. Not available to public organizations or other financial institutions.

Community West Credit Union serves Allegan, Barry, Ionia, Kent, and Ottawa counties.

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the certificate term. Interest is compounded daily. Penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Offer may be withdrawn at any time.

Youth Explorer CD

We also offer a youth Explorer CD for our young savers! The Explorer CD provides a great rate on a 12-month term with a minimum of only $100 to open. A Certificate of Deposit is a great way to help your child understand saving and interest rates with a guaranteed return at the end of their term.

Rates effective as of today.

3 Month CD 0.650% APR 0.652% APY
6 – 11 Month CD 1.000% APR 1.004% APY
12 – 17 Month CD 1.150% APR 1.155% APY
18 – 23 Month CD 1.150% APR 1.155% APY
24 – 35 Month CD 1.750% APR 1.762% APY
36 – 47 Month CD 2.000% APR 2.015% APY
48 – 59 Month CD 2.250% APR 2.269% APY
60 Month CD 2.500% APR 2.524% APY
Explorer (Youth) CD: 12-month term 4.000% APR 4.060% APY

APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change
Fees may reduce earnings on the account. Click here for fee schedule.

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Savings Calculator

How much will my savings be worth?

Enter the Initial Investment: $
Enter the Monthly Deposit: $
Enter the Annual Interest Rate: %
Enter the Number of Months: #

Future Value: $
Interest Earned: $

Results for illustration purposes only.
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