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Community West Credit Union

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Community West Credit Union Rates & Review November 2026

Q: What are the current interest rates at Community West Credit Union?

Current rates for Community West Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.25%, 24-Month CD: 3.75%, 60-Month CD: 3.50%, Savings: 5.00%, MMA: 3.25%

Q: What CD terms does Community West Credit Union offer?

Community West Credit Union CD rates are 4.00% APY for an 11 month CD, 4.00% APY for a 12 month CD, 4.25% APY for a 17 month CD, 4.25% APY for an 18 month CD, 3.75% APY for a 23 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 35 month CD, 3.75% APY for a 47 month CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Community West Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Community West Credit Union's 12 - 17 Month CD rates are at 4.25%, 6 - 11 Month CD rates are at 4.00%, 18 - 23 Month CD rates are at 3.75%, 24 - 35 Month CD rates are at 3.75%, 36 - 47 Month CD rates are at 3.75%. Community West Credit Union's savings rates are at 5.00%. Community West Credit Union's money market rates are at 3.25%. Community West Credit Union's checking rates are as high as 3.00%. Community West Credit Union's CUSC Refinance Loan - Variable Rate rates are at 4.25%, CUSC Refinance Loan - Fixed Rate rates are at 6.00%. Community West Credit Union's Personal Loan Rates are as low as 12.00%. Community West Credit Union's Credit Card Rates are at 11.99%. Community West Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Community West Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.21%. Rates last updated and verified on 10/29/2026.

Community West Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community West Credit Union? Share your experience about Community West Credit Union by leaving a review below, or read customer reviews before you decide to use Community West Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Community West Credit Union
Broadmoor

5801 Broadmoor Ave SE
Kentwood, MI 49512

https://www.communitywestcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Community West Credit Union CD Rates

Product	Rate	APY	Term
12 Month Youth(Explorer) CD	4.52%	4.60%	12-month
Details Youth(Explorer) CD: 12-month term Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.60% ▲ 0.75 pts · high 4.60% / low 3.85% Oct 19, 20264.60%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
12 - 17 Month CD	4.18%	4.25%	12-17 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 19, 20264.25%▲ from 4.00% Oct 9, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
12 - 17 Month Health Savings Account (HSA) CDs	4.18%	4.25%	12 - 17 Month
Details Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 26, 20264.25%▲ from 4.00% Oct 13, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
HSA CD - 12 - 17 Month CD	4.18%	4.25%	12-17 months
Details Penalty may be imposed for early withdrawal. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
6 - 11 Month CD	3.94%	4.00%	6-11 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 19, 20264.00%▲ from 3.65% Oct 9, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
6 - 11 Month Health Savings Account (HSA) CDs	3.94%	4.00%	6 - 11 Month
Details Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 26, 20264.00%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
HSA CD - 6 - 11 Month CD	3.94%	4.00%	6-11 months
Details Penalty may be imposed for early withdrawal. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
18 - 23 Month CD	3.69%	3.75%	18-23 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
18 - 23 Month Health Savings Account (HSA) CDs	3.69%	3.75%	18 - 23 Month
Details Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
24 - 35 Month CD	3.69%	3.75%	24-35 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
24 - 35 Month Health Savings Account (HSA) CDs	3.69%	3.75%	24 - 35 Month
Details Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
36 - 47 Month CD	3.69%	3.75%	36-47 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
36 - 47 Month Health Savings Account (HSA) CDs	3.69%	3.75%	36 - 47 Month
Details Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
HSA CD - 18 - 23 Month CD	3.69%	3.75%	18-23 months
Details Penalty may be imposed for early withdrawal. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
HSA CD - 24 - 35 Month CD	3.69%	3.75%	24-35 months
Details Penalty may be imposed for early withdrawal. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
HSA CD - 36 - 47 Month CD	3.69%	3.75%	36-47 months
Details Penalty may be imposed for early withdrawal. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
48 - 59 Month CD	3.45%	3.50%	48-59 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
48 - 59 Month Health Savings Account (HSA) CDs	3.45%	3.50%	48 - 59 Month
Details Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
60 Month CD	3.45%	3.50%	60 months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
60 Month Health Savings Account (HSA) CDs	3.45%	3.50%	60 Month
Details Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
HSA CD - 48 - 59 Month CD	3.45%	3.50%	48-59 months
Details Penalty may be imposed for early withdrawal. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
HSA CD - 60 Month CD	3.45%	3.50%	60 Months
Details Penalty may be imposed for early withdrawal. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Savings Rates

Product	Rate	APY
Navigator Savings	4.91%	5.00%
Min Balance $500 Details Balance: $500.00 - $999.99; Limit 1 per membership; checking with debit card required to open account; not eligible for combination with business or youth savings accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Navigator Savings	4.18%	4.25%
Min Balance $0 Details Balance: $0.00 - $499.99; Limit 1 per membership; checking with debit card required to open account; not eligible for combination with business or youth savings accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Navigator Savings	2.48%	2.50%
Min Balance $1,000 Details Balance: $1000.00 - $2,499.99; Limit 1 per membership; checking with debit card required to open account; not eligible for combination with business or youth savings accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Youth Savings (Ages 0-17)	1.98%	2.00%
Details Dividends are paid quarterly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Advantage Savings	1.24%	1.25%
Min Balance $100,000 Details Balance: $100,000 or more; Dividends are paid quarterly; Balances below $100,000 will earn Regular Savings rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Health Savings Account (HSA)	0.99%	1.00%
Details Dividends are paid monthly. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Navigator Savings	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500.00 and over; Limit 1 per membership; checking with debit card required to open account; not eligible for combination with business or youth savings accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Regular Savings	0.10%	0.10%
Details Dividends are paid quarterly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Money Market Rates

Product	Rate	APY
Quest Money Market	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000 - $999,999; Dividends are paid monthly; Rates are subject to change after account opening Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 19, 20263.25%▲ from 3.00% Oct 13, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Quest Money Market	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999; Dividends are paid monthly; Rates are subject to change after account opening Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 19, 20263.00%▲ from 2.75% Oct 13, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Quest Money Market	2.96%	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Dividends are paid monthly; Rates are subject to change after account opening Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 19, 20263.00%▲ from 2.75% Oct 13, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Quest Money Market	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends are paid monthly; Rates are subject to change after account opening Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75% Oct 19, 20262.00%▲ from 1.75% Oct 13, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Quest Money Market	0.99%	1.00%
Min Balance $0 Details Balance: $0.00 - $9,999; Dividends are paid monthly; Rates are subject to change after account opening Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 19, 20261.00%▲ from 0.75% Oct 13, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Quest Money Market	0.99%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $49,999; Dividends are paid monthly; Rates are subject to change after account opening Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 19, 20261.00%▲ from 0.75% Oct 13, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Checking Rates

Product	Rate	APY
Venture Checking	2.96%	3.00%
Details Qualifications Required; Qualifying balance up to $5,000; Earn 3.00% interest on balances up to $5,000; Dividends are paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Youth Checking	2.96%	3.00%
Details Ages: 0-17; Earn 3.00% interest on balances up to $5000; Dividends are paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Navigator Checking	0.00%	0.00%
Details Overdraft forgiveness includes up to 12 NSF/non-return fees refunded over the life of the account. To qualify for a fee reversal, member must have an active online banking, eStatements, and eNotices. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
CUSC Refinance Loan - Variable Rate	-	-	4.25%	5 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Variable Rate	-	-	5.00%	10 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Variable Rate	-	-	5.75%	15 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Fixed Rate	-	-	6.00%	5 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Fixed Rate	-	-	7.00%	10 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Fixed Rate	-	-	8.00%	15 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Fixed Rate	-	-	6.24%	Up to 120 Months
Details As Low As; Loan-to-Value: Less or equal to 80.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Home Equity Line of Credit - Prime Equity	-	-	6.25%
Details As Low As; HELOC Variable Rate; Prime Equity (Prime* -.50%); LTV: Less or equal to 95.00% CLTV; Prime Rate as of 12-11-2025: 6.75% APR; 3.00% APR Floor Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Home Equity Loan - Fixed Rate	-	-	6.99%	Up to 180 Months
Details As Low As; Loan-to-Value: Less or equal to 80.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Home Equity Loan - Fixed Rate	-	-	6.99%	Up to 120 Months
Details As Low As; Loan-to-Value: Between 81.00% to 95.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Home Equity Loan - Fixed Rate	-	-	7.24%	Up to 180 Months
Details As Low As; Loan-to-Value: Between 81.00% to 95.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Electric/Hybrid Vehicle Loan (2026-2022)	-	-	5.30%	36-month
Details APR* (as low as); Payment per $1,000 borrowed at 5.30% APR is $30.11 per 36-month term; Vehicles with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.19% → 5.30% ▲ 1.11 pts · high 5.30% / low 4.19% Oct 9, 20265.30%▲ from 4.19% Sep 14, 20264.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Vehicle Loan (2026-2022)	-	-	5.30%	48-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Vehicle Loan (2026-2022)	-	-	5.30%	60-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Vehicle Loan (2026-2022)	-	-	5.55%	72-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)	-	-	5.80%	36-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.69% → 5.80% ▲ 1.11 pts · high 5.80% / low 4.69% Oct 9, 20265.80%▲ from 4.69% Sep 14, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)	-	-	5.80%	48-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.20% → 5.80% ▲ 0.60 pts · high 5.80% / low 5.20% Oct 13, 20265.80%▲ from 5.20% Sep 18, 20265.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)	-	-	5.80%	60-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.20% → 5.80% ▲ 0.60 pts · high 5.80% / low 5.20% Oct 13, 20265.80%▲ from 5.20% Sep 18, 20265.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)	-	-	6.05%	72-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.45% → 6.05% ▲ 0.60 pts · high 6.05% / low 5.45% Oct 13, 20266.05%▲ from 5.45% Sep 18, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Vehicle Loan (2026-2022)	-	-	6.30%	84-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used Auto Loan (2021 - 2016)	-	-	6.55%	36-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.44% → 6.55% ▲ 1.11 pts · high 6.55% / low 5.44% Oct 26, 20266.55%▲ from 5.44% Sep 18, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used Auto Loan (2021 - 2016)	-	-	6.55%	48-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.95% → 6.55% ▲ 0.60 pts · high 6.55% / low 5.95% Oct 26, 20266.55%▲ from 5.95% Sep 18, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used Auto Loan (2021 - 2016)	-	-	6.55%	60-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.95% → 6.55% ▲ 0.60 pts · high 6.55% / low 5.95% Oct 26, 20266.55%▲ from 5.95% Sep 18, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)	-	-	6.80%	84-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.20% → 6.80% ▲ 0.60 pts · high 6.80% / low 6.20% Oct 13, 20266.80%▲ from 6.20% Sep 18, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used Auto Loan (2021 - 2016)	-	-	6.80%	72-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.20% → 6.80% ▲ 0.60 pts · high 6.80% / low 6.20% Oct 26, 20266.80%▲ from 6.20% Sep 18, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used Auto Loan (2021 - 2016)	-	-	7.55%	84-month
Details As Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.95% → 7.55% ▲ 0.60 pts · high 7.55% / low 6.95% Oct 26, 20267.55%▲ from 6.95% Sep 18, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
First Time Car Buyer Loan - First Car Loan (2026-2022)	-	-	7.80%
Details As Low As; Model Year: 2026-2022; Ages 18-24; Member can not have a previous car payment on their credit report; A co-signer is required; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
First Time Car Buyer Loan - First Car Loan (2021-2016)	-	-	8.30%
Details As Low As; Model Year: 2021-2016; Ages 18-24; Member can not have a previous car payment on their credit report; A co-signer is required; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Older Autos (2015 and older)	-	-	12.00%	Up to 60-month
Details As Low As; Model year 2015 and older; Autos with over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used RV Loans - 60 Months	-	6.50%	60-month
Details APR (as low as); Payment per $1,000 borrowed at 6.50% APR is $19.57 per 60-month term; Vehicles over 100,000 miles are subject to an additional .50% rate increase; Model Year: 2026-2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used RV Loans - 84 Months	-	7.00%	84-month
Details As Low As; Vehicles over 100,000 miles are subject to an additional .50% rate increase; Model Year: 2026-2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used RV Loans - 120 Months	-	7.50%	120-month
Details As Low As; Vehicles over 100,000 miles are subject to an additional .50% rate increase; Model Year: 2026-2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used RV Loans - 60-month term	-	7.50%	60-month
Details As Low As; Used RV Loans / Recreational Vehicle Loans (2024 - 2016); Vehicles over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used RV Loans - 84-month term	-	8.00%	84-month
Details As Low As; Used RV Loans / Recreational Vehicle Loans (2024 - 2016); Vehicles over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used RV Loans - 120-month term	-	8.50%	120-month
Details As Low As; Used RV Loans / Recreational Vehicle Loans (2024 - 2016); Vehicles over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New & Used RV Loans - 180 Months	-	9.00%	180-month
Details As Low As; Vehicles over 100,000 miles are subject to an additional .50% rate increase; Model Year: 2026-2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used RV Loans - 180-month term	-	10.00%	180-month
Details As Low As; Used RV Loans / Recreational Vehicle Loans (2024 - 2016); Vehicles over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Used RV Loans - Older RVs (2015 and older)	-	12.00%	Up to 60-month
Details As Low As; Older RVs (2015 and older, up to 60-month term); Vehicles over 100,000 miles are subject to an additional .50% rate increase Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	11.99%
Details Credit card tier; APR*: Approval and rates based on credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Gold Credit Card	-	14.99%
Details Credit card tier; APR*: Approval and rates based on credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 14.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Classic Credit Card	-	17.99%
Details Credit card tier; APR*: Approval and rates based on credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 17.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Classic Secured Credit Card	-	17.99%
Details Credit card tier; APR*: Approval and rates based on credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.00%	12-60 Month
Details As Low As; 12-60 Month Personal Loan; APR* (as low as) Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 12.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Community West Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
CUSC Tuition Loan - Fixed Rate	-	-	4.75%
Details As Low As; School & Tuition Loans; Fixed repayment schedule: 10 years regardless of amount borrowed Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
CUSC Tuition Loan - Variable Rate	-	-	4.50%
Details As Low As; School & Tuition Loans; Variable repayment term: 20 years if principal balance at repayment is $40,000 or less, 25 years if more than $40,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
CWCU Tuition Loan	-	-	5.75%
Details As Low As; APR* (as low as) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric Bike/EV Home Charging Station Loan	-	-	10.00%	12-60 months
Details As Low As; APR may be higher depending on your application; Certain loans may have more requirements Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2021-2016)	-	-	6.05%	36-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.70% → 6.05% ▲ 1.35 pts · high 6.05% / low 4.70% Oct 13, 20266.05%▲ from 4.70% Sep 22, 20264.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2021-2016)	-	-	6.05%	48-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.45% → 6.05% ▲ 0.60 pts · high 6.05% / low 5.45% Oct 13, 20266.05%▲ from 5.45% Sep 18, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2021-2016)	-	-	6.05%	60-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.45% → 6.05% ▲ 0.60 pts · high 6.05% / low 5.45% Oct 13, 20266.05%▲ from 5.45% Sep 18, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2021-2016)	-	-	6.30%	72-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 5.70% → 6.30% ▲ 0.60 pts · high 6.30% / low 5.70% Oct 13, 20266.30%▲ from 5.70% Sep 22, 20265.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2021-2016)	-	-	7.05%	84-month
Details As Low As; Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.45% → 7.05% ▲ 0.60 pts · high 7.05% / low 6.45% Oct 13, 20267.05%▲ from 6.45% Sep 18, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Line of Credit	-	-	13.75%
Details As Low As; Rate: Prime + 7.00% Monthly Variable; Prime Rate as of 12-11-2025: 6.75% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Community West Credit Union’s Texas Ratio stayed near 2.64% in Q3 2023 to 2.21% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$252M	2.21%	5.0	A+
March 31, 2026	$255M	2.58%	5.0	A+
December 31, 2025	$249M	2.27%	5.0	A+
September 30, 2025	$248M	2.81%	5.0	A+
June 30, 2025	$251M	3.26%	5.0	A+
March 31, 2025	$252M	2.70%	5.0	A+
December 31, 2024	$245M	3.24%	5.0	A+
September 30, 2024	$247M	3.34%	5.0	A+
June 30, 2024	$257M	2.86%	5.0	A+
March 31, 2024	$257M	2.99%	5.0	A+
December 31, 2023	$257M	3.86%	5.0	A+
September 30, 2023	$252M	2.64%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Community West Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Community West Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Community West Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community West Credit Union

Website https://www.communitywestcu.org

Address 5801 Broadmoor Ave SE, Kentwood, MI 49512

Phone 616-261-5657

Fax 616-698-0955

President Zachary Chaltry

CEO Heidi Hunt

Full-Time Employees 63

Part-Time Employees 2

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.21%

Return on Assets (ROA)

0.1895%

Return on Equity (ROE)

2.0434%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

252,408,523

Total Amount of Shares and Deposits

229,134,005

Total Shares and Deposits < 1 Year

223,530,846

Total Shares and Deposits 1 3 Years

4,157,530

Total Shares and Deposits > 3 Years

1,445,630

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,980,297

Total Uninsured Shares and Deposits > $250K (F+J)

8,980,297

Total Insured Shares and Deposits > $250K (item 17 less item K)

220,153,708

Total Interest Expense (Sum of items 6 8)

1,615,566

Share Certificates

1,539

Number of Accounts for Share Drafts

11,437

IRA KEOGH Accounts

352

Number of Accounts for Regular Shares

23,781

All other shares

381

Money Market Shares

1,974

Net Income (unless the amount is already included in Undivided Earnings)

478,399

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,745,352

Total Liabilities

234,573,706

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Community West Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Community West Credit Union

Does Community West Credit Union offer CDs?

Yes. Community West Credit Union current CD rates include its 12 - 17 Month CD at 4.25% APY, its 6 - 11 Month CD at 4.00% APY and its 18 - 23 Month CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Community West Credit Union NCUA insured?

Yes. Community West Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Community West Credit Union?

The highest Community West Credit Union CD rate is its 12 Month Youth(Explorer) CD at 4.60% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Community West Credit Union offer?

Community West Credit Union CD rates are 4.00% APY for an 11 month CD, 4.00% APY for a 12 month CD, 4.25% APY for a 17 month CD, 4.25% APY for an 18 month CD, 3.75% APY for a 23 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 35 month CD, 3.75% APY for a 47 month CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Community West Credit Union for its full lineup.

What is the highest savings rate at Community West Credit Union?

The highest Community West Credit Union savings rate is its Navigator Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Community West Credit Union?

The highest Community West Credit Union money market rate is its Quest Money Market at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Community West Credit Union?

The highest Community West Credit Union checking rate is its Venture Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Community West Credit Union?

The lowest Community West Credit Union mortgage rate is its CUSC Refinance Loan - Variable Rate at 4.25% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Community West Credit Union?

The lowest Community West Credit Union auto loan rate is its Electric/Hybrid Vehicle Loan (2026-2022) at 5.30% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Community West Credit Union?

The lowest Community West Credit Union personal loan rate is its Personal Loan at 12.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Community West Credit Union?

The lowest Community West Credit Union credit card APR is its Platinum Credit Card at 11.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Community West Credit Union operate?

Community West Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Community West Credit Union?

Yes, to access services at Community West Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Community West Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community West Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Community West Credit Union offer online and mobile banking?

Most modern institutions like Community West Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.communitywestcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Community West Credit Union rates compare?

Community West Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. Community West Credit Union's top rates are its 12 Month Youth(Explorer) CD at 4.60% APY, its Navigator Savings at 5.00% APY, its Quest Money Market at 3.25% APY, its Venture Checking at 3.00% APY, its CUSC Refinance Loan - Variable Rate at 4.25%, its Personal Loan at 12.00% APR and its Platinum Credit Card at 11.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Community West Credit Union Rates

12-Month CD4.00%
18-Month CD4.25%
24-Month CD3.75%
60-Month CD3.50%
Savings5.00%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Community West Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Community West Credit Union Texas Ratio

Community West Credit Union Health Trend

Community West Credit Union CD Rates

Community West Credit Union Savings Rates

Community West Credit Union Money Market Rates

Community West Credit Union Checking Rates

Community West Credit Union Mortgage Rates

Community West Credit Union Home Equity & HELOC

Community West Credit Union Auto Loan Rates

Community West Credit Union RV, Boat and Powersport Loan Rates

Community West Credit Union Credit Card Rates

Community West Credit Union Personal Loan Rates

Community West Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Community West Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Community West Credit Union

Does Community West Credit Union offer CDs?

Are CDs from Community West Credit Union NCUA insured?

What is the highest CD rate at Community West Credit Union?

What CD terms does Community West Credit Union offer?

What is the highest savings rate at Community West Credit Union?

What is the highest money market rate at Community West Credit Union?

What is the highest checking rate at Community West Credit Union?

What is the lowest mortgage rate at Community West Credit Union?

What is the lowest auto loan rate at Community West Credit Union?

What is the lowest personal loan rate at Community West Credit Union?

What is the lowest credit card APR at Community West Credit Union?

How many branches does Community West Credit Union operate?

Is a member application needed to join Community West Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Community West Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Community West Credit Union rates compare?

Current Community West Credit Union Rates

Compare to Other Credit Unions