West Community Credit Union's (MO) 15-Month CD Earns 2.75% APY


Deal Summary: 14-month No-Penalty CD (2.25% APY), unlimited withdrawals; 15-month CD (2.75% APY); minimum $500 deposit of new money for either.

Availability: Residents of five eastern Missouri counties and the city of St. Louis.

For a limited time, West Community Credit Union (West Community) is offering two CD Specials: 14-month No-Penalty CD (2.25% APY) and 15-month CD (2.75% APY). Both CD Specials can be opened with a minimum $500 deposit and “require 100% of funds as new funds not currently on deposit with West Community Credit Union.”

The No-Penalty CD features unlimited penalty-free withdrawals, as long as a minimum $500 balance is maintained. Interested is compounded and credited on a quarterly basis. Any funds withdrawn will not earn the interest for the current quarter.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty for the 15-month CD reads as follows:

When the term is greater than one year, the penalty is 180 days of interest.

Excess Share Insurance

Additional coverage up to $250k is provided by the Excess Share Insurance Corporation, a subsidiary of American Share Insurance, the nation's largest private deposit insurer.

All individual share, share draft and share certificates of deposit accounts held by the same member are added together and insured up to the $250,000 by the NCUA and an additional $250,000 by ESI, for a total of $500,000.


Headquartered in O’Fallon, Missouri, West Community Credit Union’s field of membership (FOM) is primarily residency-based, with individuals who live or work in the Missouri counties of Boone, Franklin, Lincoln, St. Charles, or St. Louis, eligible to join.

Those who live or work in the Missouri cities of St. Louis or Sikeston also qualify for membership. (FYI – the City of St. Louis is an independent city that does not lie inside any county.)

Employees of more than 40 Select Employee Groups (including several city governments) are eligible to join. Faculty, staff, students, and alumni of the University of Missouri-Columbia, Stephens College, or Columbia College are also welcome to apply.

Individuals who have a family member (parent, legal guardian, spouse, son, daughter, sibling, grandparent, grandchild, nephew, niece, uncle, aunt, first cousin and step, in-law and adoptive relationships) who lives or works in Boone, Franklin, Lincoln, St. Charles, or St. Louis Counties are also eligible to join.

Joining West Community and/or opening a CD can be done at any of eight Missouri branches, located in Columbia (2), Florissant, Lake St. Louis, O’Fallon, and St. Louis (3).

A $5 deposit into your savings account is all it takes
to become a member of West Community Credit Union!

West Community participates in the CO-OP Shared Branch network, giving members access to more than 5,000 branches and nearly 30,000 surcharge-free ATMs across the country.

We're one of hundreds of credit unions that have joined together in a cooperative effort to bring a new level of convenience to our members. You can access your accounts and conduct business nationwide at any of the participating credit union locations within the CO-OP Shared Branch network, just as if you were at your home branch.

Credit Union Overview

West Community Credit Union has an overall health grade of "B" at DepositAccounts.com, with a Texas Ratio of 8.17% (excellent) based on March 31, 2019 data. West Community has an average capitalization level (8.89%), the result of holding $264.1 million with $23.47 million in equity. Please refer to our financial overview of West Community Credit Union (NCUA Charter # 62801) for more details.

West Community Credit Union is currently the ninth largest credit union in Missouri, with more than 25,400 members and assets in excess of $264 million. Established in 1936 as the Brentwood Mutual Credit Union, the founding members were 15 business/civic leaders with $150 in capital. When the West Community rebranded occurred in 1986, the Credit Union had assets of $14 million and nearly $9 million in loans.

How the CD Special Compares

When compared to 241 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, West Community Credit Union's 15-month CD Special APY currently ranks second.

How the No-Penalty CD Compares

DA’s Best No Penalty CD Rates blog post tracks the nationally available No-Penalty CDs. When compared to the similar length-of-term No-Penalty CDs tracked by DepositAccounts.com, which require a similar minimum deposit ($10k or less) and are available within the FOM, West Community Credit Union's 14-month No-Penalty CD APY currently ranks second.

The above rates are accurate as of 8/13/2019.

Searching for the best CD rates, either nationwide or state-specific? Please refer to our CD Rates Table page.

Related Pages: Columbia CD rates, St. Louis CD rates, 1-year CD rates

6% 59-Month / 5.75% 41-Month CD at a Missouri CU
Kirkwood Municipal Credit Union has four special certificates. These include a 6% APY 59-month CD, 5.75% APY 41-month CD, 5.25% APY 23-month CD and a 4.75% APY 13-month CD. All have a minimum deposit of $5K and require money new to the credit union. The early withdrawal penalty is 90 days of interest.

The credit union's field of membership includes any business or any employee of a business located in Kirkwood. Kirkwood is located in the suburbs of St. Louis, Missouri.

Kirkwood Municipal CU is NCUA insured. It's a small credit union...

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