When it comes to saving, Goldenwest Credit Union offers two great options: Insured Money Market (IMM) Accounts and Certificates of Deposit (CDs). Both are NCUA insured and safe ways to grow your money, but they serve different goals.

Insured Money Market (IMM) Accounts

IMMs give you flexibility and competitive rates:
•    No minimum balance or monthly fees
•    Tiered dividends based on balance
•    Add funds anytime
•    Unlimited in-person withdrawals
With an IMM, you’ll earn more than a traditional savings account while keeping easy access to your money.

Certificates of Deposit (CDs)

CDs allow you to lock in a higher dividend rate for a set term. Goldenwest offers:
•    Standard Certificates with fixed terms
•    Flex Certificates that allow additional deposits and penalty-free withdrawals
CDs typically earn more than IMMs but limit your access until maturity, with penalties for early withdrawals.

Which is Right for You?

•    Choose an IMM if you want liquidity and ongoing access to your funds.
•    Choose a CD if your priority is maximizing dividends with a set savings commitment.
No matter your choice, Goldenwest can help you build savings with confidence.