¹The dividend rate and Annual Percentage Yield (APY) accurate as of 01/02/2025. 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).

²The dividend rate and Annual Percentage Yield (APY) accurate as of 01/02/2025. 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).

³The dividend rate and Annual Percentage Yield (APY) accurate as of 1/10/2025. The dividend rate and APY may change at any time. There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular 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 (916) 732-2900 or 1-877-GOLDEN 1 (1-877-465-3361) for current rates.

⁴ APR = Annual Percentage Rate. Rates shown are based on a borrower’s primary residence, FICO credit score 780 or above, a maximum combined loan-to-value (CLTV) of 60%, and the line of credit is in first-lien position. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions. For a limited time, get a 4.99% APR introductory fixed rate for balances accrued within the first six billing cycles from the account open date. The introductory rate offer is only available on new applications received from 12/16/2024 through 3/31/2025. After the introductory period, your rate will revert to the variable rate calculation as stated in your Agreement. The promotional rate is not available for investment properties or second homes and cannot be applied to any other HELOC product or promotions. Not all Members will qualify for 4.99% APR and may be offered higher rates based on creditworthiness, qualification, and collateral conditions. The introductory rate applies to the variable line in use only and is not applicable to any Fixed-Rate Loan Conversion. No other discounts are available during the fixed rate introductory period. Special offers are subject to change. Golden 1 Credit Union may discontinue Introductory Rate Home Equity Line of Credit offers without notice, regardless of originally-advertised offer period dates.

Golden 1 Credit Union is not part of any government agency, nor do we represent or have the endorsement of HUD, FHA, the U.S. Government, or any federal, state, or local government agency.

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and property conditions.

⁵Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.

*Direct deposit $200 or more of your tax refund into your existing Golden 1 checking or savings account for a chance to win $1,000! *See rules and regulations. Conditions apply. Learn more