Western FCU has just introduced their new 4.05% APY 13 month CD. The minimum deposit is $1,000 and this rate will last throughout January. You can open an account online or at a local Western branch. The early withdrawal penalty is only 90 days which is a pretty low penalty for a CD.
Western is also offering a $20.09 bonus when you open a Club Account and refer a friend by the end of January
Membership to the Western FCU requires a $5 fee and a savings account with at least $5 in it. The fee has been waived for a limited time. Western has branches in Arizona, Arkansas, Colorado, California, Texas, Utah and Virginia.
Western is insured by the NCAU and has 140,746 members. Their financials have been rated as being pretty sound which is a factor to consider in today’s banking world.