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Term Savings Certificate

Whether you want to save for a few months or a few years, certificates may be a good option. Earn higher dividends on larger account balances when you deposit funds into certificates for terms of three months to 60 months. The dividends you earn each month can be added to the certificate balance or transferred to a different account without penalties.  The longer the term, the higher the dividend rate — an excellent choice if you know how long you want to keep funds on deposit.

Term Savings Certificate


Terms vary from 3 to 60 months. Dividends you earn each month can be added to the certificate balance or transferred to a different account without penalties.

 

$1,000.00-$9,999.99

Term 3-5 Months
Dividend Rate 0.30%
APY* 0.30%
6-11 Months
0.60%
0.60%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
20-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 0.30%
APY* 0.30%
6-11 Months
0.60%
0.60%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
18-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$25,000-$49,999.99

Term 3-5 Months
Dividend Rate 0.35%
APY* 0.35%
6-11 Months
0.60%
0.60%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
20-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 0.35%
APY* 0.35%
6-11 Months
0.60%
0.60%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
20-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$100,000.00+

Term 3-5 Months
Dividend Rate 0.40%
APY* 0.40%
6-11 Months
0.65%
0.65%
12-18 Months
0.95%
0.95%
19 Months
1.79%
1.80%
20-23 Months
0.95%
0.95%
24-35 Months
1.14%
1.15%
36-47 Months
1.24%
1.25%
48-59 Months
1.59%
1.60%
60 Months
1.98%
2.00%

14-MONTH JUMBO** $50,000.00+ New Money

Term 14 Months
Dividend Rate 2.23%
APY* 2.25%

*The dividend rate and Annual Percentage Yield (APY) were accurate as of 02/23/2020. The dividend rate and APY may change at any time. There is no minimum balance required to earn the stated APY. The minimum balance required to open a regular certificate is $1,000. 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.

** A minimum opening balance of $50,000 new money is required for the 14-month jumbo certificate. Jumbo term savings certificate must be funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Special certificates are not extended to organization accounts. We reserve the right to change or discontinue this program at any time. Rates and terms are subject to change without notice.

 

Savings with more flexibility — and no high fees.

Not sure when you’ll need your savings? No problem. Our savings accounts allow you to withdraw funds anytime – no monthly maintenance fee and no minimum balance fee. Start with as little as $1.

How to save more money

Listen to our Money Management podcast. In just 15 minutes, you can learn how to create a budget, set goals, and cut back on expenses so you can save even more money.