Certificates

Certificates or term deposit accounts earn higher dividends than traditional savings accounts and have pre-determined maturity rates.

Deposit money into a certificate for a set period of time, generally between one month and five years. In return your savings will earn a higher dividend rate than with a traditional savings account. Our Standard and Flex CDs come with a bump option. At the time of CD opening, members can opt for 0.15% lower than the stated rate. Should the Credit Union re-price the CD with the same term to a higher rate, the member has a one-time option to bump-up to the new CD rate for the remainder of the term. CD bumps are a great benefit members keeping an eye on raising rates!

Standard Certificate

  • Minimum deposit to earn dividends is $500
  • 1-month to 60-month terms available (longer maturities earn higher dividends)
  • Small penalty to withdraw money before maturity
  • Bump option
  • 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
  • Bump option
  • NCUA insurance

10-Month CD Special

2.65% APY

Disclosure: 10-Month CD special is 2.65% Annual Percentage Yield (APY). APY is current as of 4/24/19. Minimum opening deposit of $500 required. Certificate special available for money not currently on deposit with Goldenwest, USU Credit Union, or Healthcare Credit Union, or with $10,000 or more in new money combined with existing funds on deposit. Early withdrawal penalties apply. Offer available for a limited time. Member NCUA.
Term APY Dividend Rate Minimum Amount