- Competitive rates compounded daily
- Term options from 3-60 months
- Greater earnings for long-term goals
- Opening deposit of $1,000
- 10-day grace period on maturity
|$1,000||3 - Month||0.20%|
|$20,000||3 - Month||0.25%|
|$100,000+||3 - Month||0.25%|
|$1,000||6 - Month||0.60%|
|$20,000||6 - Month||0.65%|
|$100,000+||6 - Month||0.65%|
|$1,000||12 - Month||0.75%|
|$20,000||12 - Month||0.80%|
|$100,000+||12 - Month||0.80%|
|$1,000||24 - Month||1.15%|
|$20,000||24 - Month||1.20%|
|$100,000+||24 - Month||1.20%|
|$1,000||36 - Month||1.35%|
|$20,000||36 - Month||1.40%|
|$100,000+||36 - Month||1.40%|
|$1,000||60 - Month||1.70%|
|$20,000||60 - Month||1.75%|
|$100,000+||60 - Month||1.75%|
Effective as of August 23, 2017.
*APY=Annual Percentage Yield. APYs are based on daily compounding. APYs are current as of the dates on this chart and are subject to change. Call 1(855) 878-9378 for terms and conditions.
A penalty may be imposed for early withdrawal. Fees could reduce earnings.
A minimum $5 balance in Share Savings required to be eligible for Services.
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.
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
ApplyStart the process by applying for an account.
New Member – Complete New Member FormIf you are not a member, go to New Members, fill out the Disclosure form, and then choose Next.
Existing Member – Complete Account ApplicationIf 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.
Choose AccountsComplete the account application, including selecting your desired accounts.
1 Must be a TruWest member with a minimum $5 deposit