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

Ready to get started?

Click one of the icons below.

Click the “Existing Member” icon above, and then log into your Online Banking account to get started.

Click the “New Member” icon above to become a member and complete our easy, online application.

Click the “Check Application Status” icon above to check on the status of an existing application.

Rates & Fees

Determine Your Costs

Investment Certificate

Certificate/Money Market Disclosures

APY is Annual Percentage Yield. Remains in effect until further notice of change. Offer valid and rates effective as of 5/1/24. Subject to change at any time without notice. Must be a TruWest member with a minimum $5 deposit. 6, 12-, 24-, 36- or 60-month certificate terms available. Minimum opening balance and minimum to earn dividends is $500 for all certificates. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Please call (480) 441-5900 or 1 (855) 878-9378 for further details.
*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. A penalty may be imposed for early withdrawal. 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.

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