Financial resources you can trust
Message and data rates may apply. Check with your mobile provider.
All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.
*Based on an independent study (November 20, 2025) conducted by America's Credit Unions.
**The dividend rate and Annual Percentage Yield (APY) accurate as of 12/26/2025. 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).
1 Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.
2 When consolidating credit card debt, based on average credit card APR from Bankrate.
3 The dividend rate and Annual Percentage Yield (APY) accurate as of 12/9/2025. There is no minimum balance required to earn the stated APY. The minimum opening deposit for the 16-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. For more, see Fee Schedule and Disclosure of Account Information.
4 You are advised to seek advice from your own tax professional and attorney.
5 The 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.
