1Based on an independent study (September 30, 2025) conducted by America's Credit Unions, Golden 1 members saved $952 per household.
2You earn cash rewards on net qualified purchases (less credits, returns and adjustments) for each $1 spent. No maximum limit on total cash rewards earned. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases/transactions do not earn rewards. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase. A 4% cash reward is offered on net qualified gas purchases and electric vehicle (EV) charging stations at eligible merchants. Cash rewards on gas and EV charging station purchases combined are limited to up to $5,000 in purchases annually, then 1% thereafter. A 3% cash reward is offered on net qualified purchases from eligible restaurants, including fast food and food delivery. A 3% cash reward is offered on net qualified purchases from eligible grocery stores or supermarkets. Purchases made at wholesale warehouse clubs are not eligible for rewards. All other net qualified eligible purchases will receive a 1% cash reward for each $1 spent.
3The dividend rate and Annual Percentage Yield (APY) accurate as of 01/06/2026. There is no minimum balance required to earn the stated APY. The minimum opening deposit for the 19-month certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal. Call 1-877-GOLDEN 1 (1-877-465-3361) for current rates.
4The Golden 1 Home Equity Line of Credit (HELOC) is limited to one- to four-family owner-occupied units, vacation properties, and investment properties located in the state of California. Mobile homes are ineligible. Your HELOC application is subject to property valuation. Before your HELOC is funded, all loans secured by your home other than your first mortgage must be paid off. Contact the credit union for terms and conditions for refinancing an existing Golden 1 equity loan or line of credit. Other programs are available.
Your maximum loan amount will be calculated using the combined loan-to-value (CLTV) of your existing first mortgage principal balance and new second mortgage according to current guidelines. At a 30-year term which includes a 10-year Draw Period and a 20-year Repayment Period, the minimum loan amount is $25,000 and the maximum loan amount is $700,000. The maximum CLTV must be at or below 80%. All programs and maximum CLTVs are subject to change or termination without notice.
This is a variable-rate line of credit. The Annual Percentage Rate (APR) is based upon The Wall Street Journal Prime Rate index plus a margin. Your rate may increase or decrease based on adjustments to Prime Rate, which could change multiple times during the life of the loan. The APR range is 4% minimum to 18% maximum.
There is currently no annual fee for your participation in the credit plan under the HELOC Agreement. There are no other fees to open, use, or maintain this account except third party fees, such as property insurance, as required in the HELOC Agreement. Property insurance is required, and flood insurance may be required. An Early Termination Fee of $500 will be assessed if the line of credit is paid in full and closed within three (3) years from the date of opening.
*The dividend rate and Annual Percentage Yield (APY) accurate as of 01/06/2026. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Limited one Growth Savings account per member. Fees may reduce earnings. Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
2You earn cash rewards on net qualified purchases (less credits, returns and adjustments) for each $1 spent. No maximum limit on total cash rewards earned. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases/transactions do not earn rewards. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase. A 4% cash reward is offered on net qualified gas purchases and electric vehicle (EV) charging stations at eligible merchants. Cash rewards on gas and EV charging station purchases combined are limited to up to $5,000 in purchases annually, then 1% thereafter. A 3% cash reward is offered on net qualified purchases from eligible restaurants, including fast food and food delivery. A 3% cash reward is offered on net qualified purchases from eligible grocery stores or supermarkets. Purchases made at wholesale warehouse clubs are not eligible for rewards. All other net qualified eligible purchases will receive a 1% cash reward for each $1 spent.
3The dividend rate and Annual Percentage Yield (APY) accurate as of 01/06/2026. There is no minimum balance required to earn the stated APY. The minimum opening deposit for the 19-month certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal. Call 1-877-GOLDEN 1 (1-877-465-3361) for current rates.
4The Golden 1 Home Equity Line of Credit (HELOC) is limited to one- to four-family owner-occupied units, vacation properties, and investment properties located in the state of California. Mobile homes are ineligible. Your HELOC application is subject to property valuation. Before your HELOC is funded, all loans secured by your home other than your first mortgage must be paid off. Contact the credit union for terms and conditions for refinancing an existing Golden 1 equity loan or line of credit. Other programs are available.
Your maximum loan amount will be calculated using the combined loan-to-value (CLTV) of your existing first mortgage principal balance and new second mortgage according to current guidelines. At a 30-year term which includes a 10-year Draw Period and a 20-year Repayment Period, the minimum loan amount is $25,000 and the maximum loan amount is $700,000. The maximum CLTV must be at or below 80%. All programs and maximum CLTVs are subject to change or termination without notice.
This is a variable-rate line of credit. The Annual Percentage Rate (APR) is based upon The Wall Street Journal Prime Rate index plus a margin. Your rate may increase or decrease based on adjustments to Prime Rate, which could change multiple times during the life of the loan. The APR range is 4% minimum to 18% maximum.
There is currently no annual fee for your participation in the credit plan under the HELOC Agreement. There are no other fees to open, use, or maintain this account except third party fees, such as property insurance, as required in the HELOC Agreement. Property insurance is required, and flood insurance may be required. An Early Termination Fee of $500 will be assessed if the line of credit is paid in full and closed within three (3) years from the date of opening.
*The dividend rate and Annual Percentage Yield (APY) accurate as of 01/06/2026. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Limited one Growth Savings account per member. Fees may reduce earnings. Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
