Benefits you can count on
Experience the Golden 1 difference and discover why 1 million California members love us.
Savings accounts made for you
Savings accounts made for you
Growth Savings
The perfect account for anyone who’s just starting their savings journey. Designed to reward new savers, this account offers bigger rates for smaller balances.
- $0 minimum deposit to open*
- $0 minimum balance required*
- Highest returns on balances up to $1,000
Term Savings Certificates
Get the most from your savings by locking in our highest rates.
- Guaranteed rates of return and flexible terms
- $500 minimum deposit to open*
- Higher dividends than traditional savings
Money Market Savings
Earn higher dividends without locking up your funds, with access to cash when you need it.
- Higher balances earn higher dividends
- $0 monthly maintenance fee*
- $100 minimum deposit to open*
Youth Savings
Build strong financial habits early.
- For kids and teens under age 181
- Balances under $1,000 earn 4.00% APY2
- Just $1 to open
Individual Retirement Account (IRA)
Take advantage of potential tax benefits3, while building toward the future you want.
- Traditional or Roth options
- Earn up to 4.00% APY4
Regular Savings
Establish your membership at Golden 1. Grow your money while keeping it easily accessible.
- Just $1 to open
- $0 monthly maintenance fees*
FlexSavings
Save for some of life's biggest moments. This account allows you to set a goal, pick your payout date, and watch your money grow.
- Great account for a specific savings goal
- Funds automatically transferred to your regular savings on the payout date5
Santa Saver
Save for the holidays now and celebrate later with stress-free shopping.
- Earn dividends while you save for the holidays
- Open any time of the year
- Funds automatically transfer to your designated account on November 16
Personal banking built around you
Mobile money
Manage your money anywhere with the Golden 1 mobile app and online banking portal.
Earn dividends
Watch your savings grow with monthly compounding dividends.
Automatic transfers
Set up automatic transfers and put your savings on autopilot.
Zelle®
From splitting tabs to paying the babysitter, Zelle® makes money transfers easy.7
FAQs - How to join
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All Californians can join!
If you live or work in California, you are eligible. Just open a Golden 1 savings account with $1.
Non-Californians may join if they are a family member or registered domestic partner of a current Golden 1 member, or a member of one of nearly 1,000 Select Employee Groups.
*You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.
1A parent or legal guardian must be a joint owner on the account until the minor reaches the age of 18.
2The dividend rate and Annual Percentage Yield (APY) accurate as of 04/16/2025. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. 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). Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $1.
3You are advised to seek advice from your own tax professional and attorney.
4Annual Percentage Yield (APY) and dividend rate accurate as of 04/16/2025. Rates are variable and may change after the account is opened. Minimum opening deposit to open is $25. Any fee, withdrawal, or transfer reduces earnings. There is no minimum balance requirement to obtain the disclosed Annual Percentage Yield (APY). IRA Savings accounts are available as Traditional or Roth.
5If any withdrawals are made from this account before the payout date, this account will be closed. The payout date is selected by the member and must be on the first day of any month of any year, not to exceed 20 years. On the payout date, the funds will be transferred to the member’s Regular Savings account.
6You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.
If any withdrawal is made from the account before October 31, the account will be closed. Payout of this account on November 1 will be an automatic transfer to your regular savings or checking account as designated by you.
7Online Bill Payment and Zelle® are only available for members 18 or older.
There is no fee to use Zelle® in the Golden 1 Mobile Banking app and Online Banking. However, other fees may be assessed based on usage. Message and data rates may apply. Check with your mobile provider. Other fees such as, but not limited to, Golden 1 Courtesy Pay or Overdraft Protection fees may apply, if enrolled in those or other available programs.
All third-party companies, products and service names used are for identification purposes only. All service marks, trademarks and registered trademarks are the property of their respective owners.
