| Product | Rate | APR |
|---|---|---|
| 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
|
4.17% | 4.25% |
| 9 Month
$500.00 minimum
|
4.17% | 4.25% |
| 12 Month
$500.00 minimum
|
4.17% | 4.25% |
| 12 Month Flex (regular only)*****
$50.00 minimum
|
4.02% | 4.09% |
| 18 Month
$500.00 minimum
|
3.78% | 3.85% |
| 24 Month
$500.00 minimum
|
3.93% | 4.00% |
| 30 Month
$500.00 minimum
|
3.93% | 4.00% |
| 36 Month
$500.00 minimum
|
3.93% | 4.00% |
| 48 Month
$500.00 minimum
|
3.98% | 4.05% |
| 60 Month
$500.00 minimum
|
4.02% | 4.09% |
| Health Savings Account 6-Month
$500.00 minimum
|
4.17% | 4.25% |
| Health Savings Account 12-Month
$500.00 minimum
|
4.17% | 4.25% |
| 19 Month Special - Discontinued
$500.00 minimum
|
4.75% | 4.85% |
| 31 Month Special - Discontinued
$500.00 minimum
|
4.02% | 4.10% |
| 8 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
|
4.36% | 4.45% |
| 5 Month Special - Plus Free One-Time Bump* - Discontinued
$500.00 minimum
|
4.36% | 4.45% |
| 11 Month Special - Plus Free One-Time Bump** - Discontinued
$500.00 minimum
|
4.31% | 4.40% |
| 13 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
|
4.65% | 4.75% |
| 15 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
|
4.98% | 5.10% |
| 14 Month Special - Plus Free One-Time Bump - Discontinued
$500.00 minimum
|
4.31% | 4.40% |
| 21 Month Special - Plus Free One-time Bump - Discontinued
$500.00 minimum
|
3.93% | 4.00% |
| 22 Month Special - Plus Free One-time Bump - Discontinued
$500.00 minimum
|
3.93% | 4.00% |
Disclosures
- Rates and terms are accurate as of February 19, 2025 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.