6% 6-Month / 6% 18-Month IRA CD at a AZ/TX CU (TruWest).

Truwest Credit Union is offering a 6.00% APY IRA certificate. The 6% APY is available for terms of 6 months, 12 months and 18 months. The minimum deposit is $1K, and the maximum deposit is $250K per person or $500K per household. The money must be new to the credit union. The 6-month CD has a 90-day interest early withdrawal penalty. The longer term ones have a 180-day penalty. You must first open an IRA share savings account which doesn't have any minimum balance requirement.

The credit union's field of membership includes those who live in Maricopa County and parts of Pinal County, Arizona. Also, it includes those who live in Travis County and parts of Williamson County, Texas.

TruWest has branches in Phoenix, Mesa, Chandler and Scottsdale of Arizona and in Austin, Texas.