Whether you’re just starting out or saving for something specific, make the most of your money with a Golden 1 savings account. We offer a variety of safe and secure savings plans designed to match your style and meet your needs.
To compare savings account features and help you decide which one best fits your banking preferences, view the comparison chart below.
Other Accounts - Certificates | Individual Retirement Accounts (IRAs)
Recommended if you want to ...
Accumulate money and earn dividends for financial stability, retirement or other needs in a safe account where your funds are easily available to you.
Save for major life events such as college, wedding, vacation or other occasion. Maximize earnings and choose a flexible payout date.
Teach your child the importance of saving while allowing him or her to earn dividends. We offer a variety of accounts for children of all ages.
Manage your holiday season expenses by saving throughout the year.
Earn higher dividends on funds. Maximize earnings while having easy access to your money.
Earn higher dividends on larger account balances that are on deposit for terms of 3 to 60 months.
Minimum opening deposit is...
$20 or $5 with payroll deduction or automatic transfer from a Golden 1 checking or savings account
Minimum balance to obtain the Annual Percentage Yield (APY)...
Minimum daily balance of $100
No minimum daily balance requirement to obtain the APY
Account statementsare distributed...
Monthly with a checking account or an electronic funds transfer or quarterly with a savings account only
To avoid a monthlyservice charge...
Maintain an average monthly savings balance of greater than $100 or at least one other active Golden 1 account.
Maintain a balance of $2,500 in aggregate deposit accounts under the same account number as the Money Market Savings Account. If not, the service charge is $5.
Other benefits include...
Golden 1 ATMs, Telephone TellerSM and Golden 1 OnlineSM access 24 hours, 7 days a week.
Funds can be used as collateral for a savings-secured loan.
Funds can be used to provide overdraft protection for your checking account.
Golden 1 ATMs, Telephone Teller and Golden 1 Online access 24 hours, 7 days a week.
Funds automatically transfer to your Golden 1 regular savings account on your selected payout date.
Funds automatically transfer each November 1 to your Golden 1 savings or checking account.
Dividends can be transferred to other Golden 1 checking or savings accounts 24 hours a day or upon maturity without penalty.
Funds can be used as collateral for a term-savings certificate secured loan.
Save money and earn dividends for financial stability, retirement or other needs with a Regular Savings Account. Funds can be used to provide overdraft protection for your checking account or as collateral for a savings secured loan. Funds are conveniently available to you and there is no minimum balance fee.*
* You must keep a minimum of $1 in a Golden 1 Regular Savings Account to maintain membership.
A savings plan that makes cents! With FlexSavings, you can earn high dividends while you save for special occasions such as a wedding, vacation or special event!
Designed for members under the age of 18, the Youth Savings Account is the perfect account for teaching your child the importance of saving while allowing him or her to earn dividends. This account allows the minor to make withdrawals and deposits to the account without requiring the joint owner to be present and gives the minor the control and experience of maintaining his or her own account. A parent or legal guardian must be a joint owner on the account until the minor reaches the age of 18.
It's easier to manage your holiday season expenses when you've saved all year long. The Santa Saver Savings Account is designed to help make saving for the holidays simple and convenient. It offers two easy automated deposit options and pays dividends that compound monthly. Your Santa Saver funds will be transferred into your designated checking or savings account on November 1, and will renew each year.
Earn higher dividends on funds that are currently not in use, while maximizing your earnings and retaining easy access to your money. The minimum deposit to open is $2,500, and there is no minimum balance requirement to earn dividends.* Funds can be used to provide overdraft protection for your checking account.
* If the account balance falls below a minimum average daily balance of $2,500, a $5.00 service charge will be assessed.
Earn high dividends on larger account balances that are on deposit for terms of 3 to 60 months. A minimum deposit of $1,000 is required to open a certificate. Dividends can be transferred to other Golden 1 checking or savings accounts each month or upon maturity without penalty. Additionally, funds can be used as collateral for a certificate loan.
Use of this website signifies your agreement to the Terms & Conditions.
This credit union is federally insured by the National Credit Union Administration.