Certificates

A tree that is growing money.

Certificates earn higher dividends than share savings accounts and have pre-determined maturity rates.

Standard & IRA Certificates

  • Minimum to earn dividend is $500
  • 1-month to 60-month terms available (longer maturities earn higher dividends)
  • NCUA insurance

Flex Certificate

  • Minimum to earn dividend is $50
  • Add money at any time
  • Penalty-free withdrawals the first three business days of each quarter
  • 12-month term
  • NCUA insurance

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Regular and IRA Certificate Rates

1 Month***
0.15%
Minimum Amount: $5,000.00
0.15% APY
3 Month
0.20%
Minimum Amount: $500.00
0.20% APY
6 Month
0.25%
Minimum Amount: $500.00
0.25% APY
9 Month
0.35%
Minimum Amount: $500.00
0.35% APY
12 Month
0.45%
Minimum Amount: $500.00
0.45% APY
12 Month Flex (regular only)
0.35%
Minimum Amount: $50.00
0.35% APY
18 Month
0.50%
Minimum Amount: $500.00
0.50% APY
18 Month Variable*
0.05%
Minimum Amount: $50.00
0.05% APY
24 Month
0.60%
Minimum Amount: $500.00
0.60% APY
30 Month
0.75%
Minimum Amount: $500.00
0.75% APY
36 Month
0.90%
Minimum Amount: $500.00
0.90% APY
48 Month
1.14%
Minimum Amount: $500.00
1.15% APY
60 Month
1.83%
Minimum Amount: $500.00
1.85% APY
Rates and terms are accurate as of April 1, 2014 and are subject to change.
Dividend on savings accounts and certificates paid monthly.
* APY Annual Percentage Yield
Early withdrawal penalties apply. Fees and penalties will reduce earnings or principal. Rates are subject to change at any time.
If you opt for the bump option, the original certificate rate will be 0.15% lower than stated.
**Variable Rates: Based on the average of the 91-day Treasury Bill, calculated the last Tuesday of each quarter.
***Rate quoted is valid if certificate holder has a Goldenwest checking account. Otherwise, the rate is 0.15% for a 1 month certificate.
Penalty for Early Withdrawal: The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned on the account.
The penalty is as follows:
Certificate Term: Penalty equal to:
0 - 1 months 30 days dividends
1 - 12 months 60 days dividends
12+ months 180 days dividends