Certificate Rates
| Product | Rate | APY |
|---|---|---|
| 1 Month (with checking account)****
$500.00 minimum
|
0.15% | 0.15% |
| 3 Month
$500.00 minimum
|
3.69% | 3.75% |
| 6 Month
$500.00 minimum
|
3.83% | 3.90% |
| 9 Month
$500.00 minimum
|
3.88% | 3.95% |
| 12 Month
$500.00 minimum
|
3.88% | 3.95% |
| 12 Month Flex (regular only)*****
$50.00 minimum
|
3.64% | 3.70% |
| 18 Month
$500.00 minimum
|
3.88% | 3.95% |
| 18 Month Variable******
$50.00 minimum
|
3.66% | 3.72% |
| 24 Month
$500.00 minimum
|
3.88% | 3.95% |
| 30 Month
$500.00 minimum
|
3.88% | 3.95% |
| 36 Month
$500.00 minimum
|
3.88% | 3.95% |
| 48 Month
$500.00 minimum
|
3.88% | 3.95% |
| 60 Month
$500.00 minimum
|
3.93% | 4.00% |
| Health Savings Account 6-Month
$500.00 minimum
|
3.83% | 3.90% |
| Health Savings Account 12-Month
$500.00 minimum
|
3.88% | 3.95% |
| 22 Month Special - Plus Free One-time Bump - Discontinued
$500.00 minimum
|
3.88% | 3.95% |
Disclosures
- Rates and terms are accurate as of July 1, 2026 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.
- ** 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 based on the 91-day Treasury Bill average, which is calculated the last Tuesday of each quarter.