Rates

New/Used Auto
Variable Rate - Term up to 72 months
as low as 2.49% APR
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New/Used Auto
Fixed Rate - Term up to 60 months
as low as 2.74% APR
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New/Used Auto
Fixed Rate - Term up to 72 months
as low as 2.99% APR
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New/Used Auto
Fixed Rate - Term up to 84 months
as low as 3.89% APR
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New/Used Boat, RV, Trailer
Fixed Rate - Term up to 144 months
as low as 4.25% APR
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New/Used Motorcycle or ATV
Fixed Rate - Term up to 72 months
as low as 4.25% APR
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30 Year Fixed
Conventional Mortgage
as low as 4.250% (4.331% APR)
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20 Year Fixed
Conventional Mortgage
as low as 4.000% (4.111% APR)
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15 Year Fixed
Conventional Mortgage
as low as 3.375% (3.515% APR)
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20 Year First Mortgage w/ 5 Year Call
Mortgage
4.490% (4.611% APR)
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20 Year Second Mortgage w/ 5 Year Call
Mortgage
4.990% (5.112% APR)
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15 Year First Mortgage w/ 5 Year Call
Mortgage
4.240% (4.366% APR)
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15 Year Second Mortgage w/ 5 Year Call
Mortgage
4.740% (4.867% APR)
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12 Year First Mortgage w/ 6 Year Call
Mortgage
3.890% (4.007% APR)
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12 Year Second Mortgage w/ 6 Year Call
Mortgage
4.490% (4.608% APR)
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10 Year Mortgage
Mortgage
3.740% (3.740% APR)
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7 Year Mortgage
Mortgage
3.240% (3.240% APR)
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5 Year Mortgage
Mortgage
2.890% (2.890% APR)
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90% Home Equity Loan
10 Year Term - Fixed Rate
7.65% APR
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Home Equity Line of Credit
Variable
3.25% APR
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Construction Loan
Variable
4.250% APR
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Improved Building Lot
Fixed
5.990% APR
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Personal Loan
48 months
as low as 9.00% APR
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Stocks Secured Loan
36 months
as low as 12.50% APR
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Certificate Secured Loan
One Pay
as low as 1.99% Above Certificate Rate
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Share Secured Loan
36 months
as low as 3.10% APR
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1 Month***
$5,000.00 minimum
0.15% (0.15% APY)
3 Month
$500.00 minimum
0.20% (0.20% APY)
6 Month
$500.00 minimum
0.25% (0.25% APY)
9 Month
$500.00 minimum
0.35% (0.35% APY)
12 Month
$500.00 minimum
0.45% (0.45% APY)
12 Month Flex (regular only)
$50.00 minimum
0.35% (0.35% APY)
18 Month
$500.00 minimum
0.50% (0.50% APY)
18 Month Variable*
$50.00 minimum
0.05% (0.05% APY)
24 Month
$500.00 minimum
0.60% (0.60% APY)
30 Month
$500.00 minimum
0.75% (0.75% APY)
36 Month
$500.00 minimum
0.90% (0.90% APY)
48 Month
$500.00 minimum
1.14% (1.15% APY)
60 Month
$500.00 minimum
1.83% (1.85% APY)
$0 - $4,999
0.10% Dividend (0.10% APY)
$5,000 - $24,999
0.15% Dividend (0.15% APY)
$25,000 - $99,999
0.20% Dividend (0.20% APY)
$100,000 - $199,999
0.25% Dividend (0.25% APY)
$200,000 - $499,999
0.30% Dividend (0.30% APY)
$500,000 +
0.30% Dividend (0.30% APY)
Primary Shares
0.10% Dividend (0.10% APY)
Secondary Shares
0.10% Dividend (0.10% APY)
Christmas Club
0.10% Dividend (0.10% APY)
Health Savings Account
0.10% Dividend (0.10% APY)
Free Checking
0.10% Dividend (0.10% APY)
Basic Business Checking
0.10% Dividend (0.10% APY)
Small Business Checking
0.10% Dividend (0.10% APY)
Corporate Checking
0.10% Dividend (0.10% APY)
1

Rates and terms are accurate as of March 1, 2014 and are subject to change.

The Annual Percentage Rates are our best rates. Your rate may be higher based on credit history, eligibility and underwriting criteria.

New money only. Not available with other discounts or promotions.

84-month term available for loans greater than $20,000.

Boat/RV/Trailer loans up to 12-year term with a 6-year rate review.

2

Rates and terms are accurate as of April 14, 2014 and are subject to change.

The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria.

Annual Percentage Rates (APRs) for 12, 15 and 20 year mortgages are calculated based on a $10,000 loan with a 0.50% origination fee.

Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months.

As of April 1, 2014, Prime Rate is 3.25% APR.

Construction loan rate is for construction loans up to $417,000 on approved credit. 4.25% Variable Rate is based on Prime Rate + 1.00%. As of April 1, 2014 Prime Rate is 3.25%.

Lot loan is for a 30-year term with a 3-year call.

3

Rates and terms are accurate as of March 1, 2014 and are subject to change.

4

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
5

Rates and terms are accurate as of March 1, 2014 and are subject to change.

6

Rates and terms are accurate as of March 1, 2014 and are subject to change.

Minimum $25.00 balance required to earn dividend.

7

Rates and terms are accurate as of March 1, 2014 and are subject to change.

Minimum $500 balance required to earn dividend on consumer checking accounts or earnings credit on business checking accounts.