Regular Savings Account
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.*
Account Features
- Low $1 minimum opening deposit
- A low minimum daily balance of $100 must be maintained to obtain the disclosed APY
- No minimum balance fee
- Unlimited ATM transactions
- Deposits available through payroll deduction or Direct Deposit
- Minimum $1 balance makes you eligible for other Golden 1 services
Standard Features
- Regular account statements
- Immediate, 24-hour access to funds through:
- Overdraft protection for your Golden 1 checking account (Subject to transaction limitations.)
* You must keep a minimum of $1 in a Golden 1 Regular Savings Account to maintain membership.
FlexSavingsSM Account
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!
Benefits include:
- Receive dividends the 1st of each month
- Access to Golden 1 ATMs (deposits only), Telephone Teller and Golden 1 OnlineSM access 24 hours, 7 days a week
- Funds are transferred to Golden 1 savings account on selected payout date
- Open with just $20 or $5 with payroll deduction or automatic transfer from a Golden 1 checking or savings account
Youth Savings Account
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.
Account Features
- Low $1 minimum opening deposit
- No minimum balance requirement to earn dividends
- Allows minor to make withdrawals and deposits to the account without requiring the joint owner to be present
Standard Features
- Regular account statements
- Immediate, 24-hour access to funds through:
Santa SaverSM Savings Account
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.
Account Features
- Minimum $20 deposit to open or just $5 if you sign up for payroll deduction or automatic transfer from your Golden 1 Regular Savings or checking account
- No minimum balance required to earn dividends
- May be opened any time throughout the year
- Deposits can be made at any Golden 1 ATM or branch, through payroll deduction or automatic transfer from your Golden 1 savings or checking account
- Renews automatically each year unless you close it
- Funds automatically transfer each November 1 to your Golden 1 savings or checking account
Standard Features
- Regular account statements
Money Market Savings Account
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.
Account Features
- Minimum $2,500 opening deposit
- No minimum balance required to earn dividends
- No monthly service charge if a minimum balance of $2,500 is maintained in aggregate deposit accounts under the same account number as the Money Market Savings Account
- You earn dividends based on your tier-rate based on your full balance
Standard Features
- Regular account statements
- Immediate, 24-hour access to funds through:
- Overdraft protection for your Golden 1 checking account (Subject to transaction limitations.)
* If the account balance falls below a minimum average daily balance of $2,500, a $5.00 service charge will be assessed.
Term-Savings Certificate Account
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.
Term-Savings Certificate Account Features
- $1,000 minimum deposit to open
- Dividends paid monthly on all balances not withdrawn prior to the maturity date
- No minimum balance fee
- Term options available from 3 to 60 months
- Guaranteed rate for term of certificate
- Monthly dividends can be added to certificate balance or transferred to a Golden 1 Regular Savings, Money Market Savings or checking account
Golden 1 Standard Features
- Longer terms offer higher dividend rate
- Dividends compounded monthly
- Automatic renewal at maturity
- Seven calendar day grace period at maturity date with no Golden 1 penalties to withdraw from or close account
- Federally insured by the NCUA
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