Top 5-year CD and IRA CD Rates at Credit Union West in AZ

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PenFed isn’t the only credit union offering 3% CDs. Another credit union came out with a December CD special with some even higher rates. It’s Credit Union West, and it’s offering 5-year CDs and IRA CDs with rates around 3%. The best deal is the 5-year Jumbo IRA CD which has a 3.20% APY. Minimum deposit is $50,000. For a $10,000 minimum, the APY is 3.15%. The regular CD rates are a little lower, but they’re still very competitive. For a $50,000 minimum, the APY is 2.95%, and for a $10,000 minimum, the APY is 2.90%. The rates and the CD disclosure are listed in the credit union’s share rates schedule as of 12/04/2013. According to the disclosure, the certificate account’s early withdrawal penalty is 180 days of dividends on the amount withdrawn. Thanks to DA member Alskar who posted on this CD promotion in the forum.

APYMINMAXINSTITUTIONPRODUCTDETAILS
3.25%$500-Credit Union West60 Month IRA Certificate (Traditional, Roth, CESA)
3.25%$500-Credit Union West60 Month CD
Rates as of July 1, 2025.

Credit Union Membership

Membership is open to all who live, work or worship in Arizona’s Maricopa and Yavapai counties. Please refer to our Credit Union West overview page for more details.

Credit Union Overview

The credit union also offers a reward checking account under the Kasasa brand. I reviewed this account back in May. The rate actually went up since then, but the balance cap remains on the low side.

Credit Union West branches are located in Phoenix and in the Phoenix suburbs. There are also branches in Prescott and Cottonwood, Arizona.

The credit union has an overall health grade at DepositAccounts.com of an A with a Texas ratio of 0.43% (excellent) based on June 2013 data. Please refer to our financial summary of Credit Union West for more details. The credit union is federally insured by the NCUA (Charter # 68421).

How These CDs and IRA CDs Compare

It’s nice to see another credit union with 3% CDs. Hopefully, this is the start of a trend.

The best 5-year CD and IRA CD rate that’s nationally available is 3.04% APY at Pentagon Federal Credit Union (see post). Credit Union West’s 5-year IRA CD rates are higher, but the regular CD rates are a little lower. Credit Union West’s early withdrawal penalty of 180 days interest is smaller than PenFed’s EWP of 365 days. These rates are accurate as of 12/4/2013.

To search for the best nationwide rates and the best rates in your state, please refer to our CD rates tables and our IRA CD rates tables.

Related Pages: Credit Union West, Phoenix, CD rates, IRA rates



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Credit Union West is a reward checking account called Star Checking. It's very typical of a reward checking account. It has a yield of 0.51% APY for the first $25,000 (MMA rates for above). Also, all ATM fees are automatically reimbursed. The high rate and free ATM usage requires 10 debit card purchases per month, Direct Deposit and eStatements. Without these conditions, the rate falls to 0.25% and you receive...

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Credit Union West is offering a 5.80% APY 5-year IRA certificate. The minimum deposit is $50K for this rate. A 5.75% APY CD is available for a minimum deposit of $10K. The regular 60-month certificate is also competitive with an APY of 5.55% for $50K minimum and 5.50% for $10K.

The field of membership includes anyone who lives, works, or worships in Maricopa County, Arizona. Branches are located in Glendale, Avondale, Phoenix, Peoria and Surprise.

The credit union is federally insured by the NCUA. It has $291 million in assets and 30,544...



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Arizona Holsum Credit Union has several high yield share certificates. This includes a 6.18% APY 3-year CD, a 5.88% APY 2-year and 1-year CD. These require a $50K minimum deposit. The rates are 0.25% less for a $10K minimum. These CDs are also available as an IRA with an extra 0.10% rate.

In addition to these standard rates, the credit union is still listing a 8.30% APY 8-month CD with a maximum deposit of $8K. It requires new money and an active checking account. I had posted on this special back...

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