- 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
|6 - Month||$500||1.25%|
|12 - Month||$500||1.40%|
|24 - Month||$500||1.50%|
|36 - Month||$500||1.50%|
|60 - Month||$500||1.50%|
Certificate/Money Market Disclosures
Rates effective as of August 28, 2019.
†A minimum initial deposit of $10,000 is required.
*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.
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