Credit union · NCUA insured
Goldenwest Credit Union CD Rates
Top CarrotGoldenwest Credit Union’s best CD rate is 4.45% APY on a 2-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Goldenwest Credit Union’s CD rates compare
Compared with banks and credit unions near Ogden, UT, where Goldenwest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Goldenwest Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $910
Standard Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
Utah Power Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $9
- Earns on $10,000
- $450
Goldenwest Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Goldenwest Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Standard Certificate
Up to 4.45%APY · 11 terms
Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthValid if certificate holder has a Goldenwest checking account; otherwise rate is 0.10% | 0.15% | $1 |
| 3 months | 3.90% | $96 |
| 6 months | 4.00% | $198 |
| 9 months | 4.00% | $299 |
| 12 months | 4.05% | $405 |
| 18 months | 4.15% | $629 |
| 24 months | 4.45% | $910 |
| 30 months | 4.30% | $1,110 |
| 36 months | 4.35% | $1,363 |
| 48 months | 4.35% | $1,857 |
| 60 months | 4.40% | $2,402 |
Sources (2)
All captured Oct 22, 2026
18 Month Variable Certificate
3.91%APY · 1 term
Rate based on the 91-day Treasury Bill average, which is calculated the last Tuesday of each quarter. Dividends paid monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsRate based on the 91-day Treasury Bill average calculated the last Tuesday of each quarter | 3.91% | $592 |
Sources (2)
All captured Oct 22, 2026
Flex Certificate
3.80%APY · 1 term
Regular share funds only; cannot be opened as an IRA certificate. Add money at any time. Penalty-free withdrawals during the first three business days of each quarter. Maximum of $250,000 per account. Bump option available. Dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum of $250,000 per account. Available for regular share funds only | 3.80% | $380 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Health Savings Account Certificate
Up to 3.95%APY · 2 terms
Designed to help members earn higher dividends on Health Savings Account funds. Minimum balance to earn dividends is $500.00. Dividends paid monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 3.95% | $395 |
Sources (2)
All captured Oct 22, 2026
Closed to new customers
22 Month Special Certificate
3.95%APY · 1 term
Discontinued product. Includes free one-time bump. Minimum deposit to earn dividends is $500.00. Dividends paid monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 22 monthsDiscontinued product; includes free one-time bump option | 3.95% | $736 |
Sources (1)
- gwcu.org/save/savings/certificate-rates · captured Oct 22, 2026
Who can join Goldenwest Credit Union
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