Regular & IRA Certificate Rates
Regular & IRA Certificates
5 Month Special - Plus Free One-Time Bump*
$500.00 minimum
4.51% (4.60% APY)
11 Month Special - Plus Free One-Time Bump**
$500.00 minimum
4.41% (4.50% APY)
1 Month (with checking account)****
$500.00 minimum
0.15% (0.15% APY)
3 Month
$500.00 minimum
3.69% (3.75% APY)
6 Month
$500.00 minimum
4.17% (4.25% APY)
9 Month
$500.00 minimum
4.17% (4.25% APY)
12 Month
$500.00 minimum
4.17% (4.25% APY)
12 Month Flex (regular only)*****
$50.00 minimum
3.93% (4.00% APY)
18 Month
$500.00 minimum
3.78% (3.85% APY)
18 Month Variable******
$50.00 minimum
4.99% (5.11% APY)
24 Month
$500.00 minimum
3.93% (4.00% APY)
30 Month
$500.00 minimum
3.93% (4.00% APY)
36 Month
$500.00 minimum
3.93% (4.00% APY)
48 Month
$500.00 minimum
3.78% (3.85% APY)
60 Month
$500.00 minimum
3.83% (3.90% APY)
Health Savings Account 6-Month
$500.00 minimum
4.17% (4.25% APY)
Health Savings Account 12-Month
$500.00 minimum
4.17% (4.25% APY)
31 Month Special - Discontinued
$500.00 minimum
4.02% (4.10% APY)
8 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
4.51% (4.60% APY)
13 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
4.65% (4.75% APY)
15 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
4.98% (5.10% APY)
14 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
4.41% (4.50% APY)
21 Month Special - Plus Free One-time Bump - Discontinued
$500.00 minimum
3.93% (4.00% APY)
22 Month Special - Plus Free One-time Bump - Discontinued
$500.00 minimum
3.93% (4.00% APY)
Rates and terms are accurate as of November 2, 2024 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. 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. If you opt for the bump option, the original CD rate will be .15% lower than stated. *5 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. ** 11 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. **** 1 Month CD rate quoted is valid if certificate holder has a Goldenwest checking account. Otherwise, the rate is 0.10% for a 1 month certificate. ***** 12 Month Flex CD has a maximum of $250,000 per account. ****** 18 Month Variable CD is based on the average of the 91-day Treasury Bill, calculated the last Tuesday of each quarter.
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 |
