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Why TruWest

Save for Tomorrow on Your Terms

Investment Certificate

Feeling boxed in by your savings? Our Investment Certificate Accounts, or Certificates of Deposit (CDs), offer flexible tiered rates and terms, so you can save by your rules1. Choose the certificate that works best for you, and start getting the most out of your savings.

  • Competitive rates compounded daily
  • Term options from 6-60 months
  • Greater earnings for long-term goals
  • Opening deposit of $500
  • 10-day grace period on maturity

Rates & Fees

Determine Your Costs

Investment Certificate

Term Minimum Balance* APY**
6 - Month $500 .25%
12 - Month $500 .35%
24 - Month $500 .40%
36 - Month $500 .45%
60 - Month $500 .60%

Certificate/Money Market Disclosures

Rates effective as of March 1, 2021.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.
Click here to view the most current dividend rate and investment certificate disclosures.
Click here to view the most current consumer fee schedule.


Frequently Asked Questions

  • What is an investment certificate?

    An investment certificate, or certificate of deposit (CD), is a type of savings account that has a specific maturity date and fixed rate. Longer terms have higher interest rates, and shorter terms have lower interest rates. Investment certificates tend to offer higher yields than other savings accounts; however, access to your funds is restricted for the length of the term.

  • What if I need to withdraw my funds before my certificate's maturity date?

    For certificates with terms less than a year, the early withdrawal penalty is 90 days of dividends. For terms equal to or greater than one year, the early withdrawal penalty is 180 days of dividends.

Next Steps

As easy as 1, 2, 3

Applying for a Certificate Account

Before completing an account application, you’ll need to have the following information handy:

  • Personal information (name, address, ID number)
  • Employment and salary information
  • Social security number
  1. 1
    Start the process by applying for an account.
  2. 2
    New Member – Complete New Member Form
    If you are not a member, go to New Members, fill out the Disclosure form, and then choose Next.
  3. 3
    Existing Member – Complete Account Application
    If you are already a TruWest member, go to Existing Members, and follow the on-screen instructions to continue to the account application. You can also apply through the mobile app by selecting Apply for an Account/Loan in the mobile app menu.
  4. 4
    Choose Accounts
    Complete the account application, including selecting your desired accounts.


We're happy to help! Just give us your name, email and phone number and we'll get in touch with you shortly.

1Must be a TruWest member with a minimum $5 membership deposit and continuing balance.