Regular & IRA Certificate Rates

8 Month Special

$500.00 minimum

2.72% (2.75% APY)

13 Month Special

$500.00 minimum

3.93% (4.00% APY)

21 Month Special - Plus Free One-time Bump*

$500.00 minimum

4.02% (4.10% APY)

33 Month Special

$500.00 minimum

4.17% (4.25% APY)

1 Month (with checking account)**

$5,000.00 minimum

0.15% (0.15% APY)

3 Month

$500.00 minimum

2.23% (2.25% APY)

6 Month

$500.00 minimum

2.47% (2.50% APY)

9 Month

$500.00 minimum

2.47% (2.50% APY)

12 Month

$500.00 minimum

2.72% (2.75% APY)

12 Month Flex (regular only)***

$50.00 minimum

2.57% (2.60% APY)

18 Month

$500.00 minimum

2.96% (3.00% APY)

18 Month Variable****

$50.00 minimum

2.70% (2.73% APY)

24 Month

$500.00 minimum

3.20% (3.25% APY)

30 Month

$500.00 minimum

3.20% (3.25% APY)

36 Month

$500.00 minimum

3.44% (3.50% APY)

48 Month

$500.00 minimum

3.69% (3.75% APY)

60 Month

$500.00 minimum

3.93% (4.00% APY)

Learn more about Certificates

Rates and terms are accurate as of December 6, 2022 and are subject to change. Dividend on certificates paid monthly. Annual Percentage Yields (APY) 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 CD rate will be .15% lower than stated. ****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 0.10% for a 1 month certificate. ***Annual Percentage Yields (APY) current as of October 03, 2022 and subject to change without notice. Minimum $500 to open. Bump option not available on CD specials. Rates subject to expire or change without notice. 21-Month CD Special with the Free Bump Option allows account holder to increase the Annual Percentage Yield (APY) one time during the term without a penalty. Bump is applied to the CD by request of the member only, and available only once during the term of the CD. Goldenwest does not guarantee that the APY will increase during the term, nor will Goldenwest provide notice to account holders if/when rates change. The rate bump will be in effect for the remainder of the term and will not be applied retroactively.

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 and may reduce principal.

The penalty is as follows:

Certificate Term: Penalty equal to:
0 - 1 months 30 days dividends
1 - 12 months 60 days dividends
13 - 35 months 180 days dividends
36+ months 365 days dividends