Regular & IRA Certificate Rates

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

0.35% (0.35% APY)

9 Month

$500.00 minimum

0.55% (0.55% APY)

12 Month

$500.00 minimum

0.85% (0.85% APY)

12 Month Flex (regular only)

$50.00 minimum

0.60% (0.60% APY)

18 Month

$500.00 minimum

0.95% (0.95% APY)

18 Month Variable*

$50.00 minimum

0.31% (0.31% APY)

24 Month

$500.00 minimum

1.09% (1.10% APY)

30 Month

$500.00 minimum

1.19% (1.20% APY)

36 Month

$500.00 minimum

1.34% (1.35% APY)

48 Month

$500.00 minimum

1.59% (1.60% APY)

60 Month

$500.00 minimum

2.23% (2.25% APY)

Learn more about Certificates

Rates and terms are accurate as of October 1, 2016 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 CD rate will be .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 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