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2.50% APY1 47-Month Certificate.

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A term savings certificate can help you reach your saving goals faster! You choose from available terms, all with a low minimum deposit. The longer the term, and the higher your deposit balance, the higher dividend rate you can earn! It's an excellent choice if you know how long you want to keep funds on deposit.

Great Rate. Guaranteed Return!


EXCLUSIVE ONLINE OFFER.

Enjoy life on your terms with a great return on your savings! Open a 47-month Certificate online with a minimum deposit of $1,000 and earn 2.50% APY1 guaranteed.

  • Get more for your money
  • Risk-free return
  • Option to renew automatically at our standard Certificate rate

Current Golden 1 members can open this special certificate by signing on to Online Banking and following these steps.

  1. Go to Accounts, then New Accounts

  2.  Click Access Open an Account, then Savings and Certificates

  3.  Select the 47-Month Certificate Special

  4. Enter your opening deposit and select the account you wish to transfer funds from

Your money could be earning more. Find out how with a term-savings certificate or IRA2 certificate! Take advantage of this limited-time, exclusive online offer – make a deposit or roll over retirement plan funds into a new certificate today.

47-month certificate special

1The dividend rate and Annual Percentage Yield (APY) accurate as of 06/30/2022. The dividend rate and APY may change at any time. The minimum deposit for this 47-month certificate is $1,000.00 and must be opened  online. 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.

2Traditional and Roth IRA accounts are insured separately from other accounts.  A member’s Roth IRA and Traditional IRA will
be added together and insured to the aggregate maximum of $250,000. At age 70 1/2, contributions are no longer allowed to a
Traditional IRA. No age limits apply to Roth IRA contributions.

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.

 

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 0.25%
APY* 0.25%
6-11 Months
0.35%
0.35%
12-17 Months
0.50%
0.50%
18-23 Months
0.60%
0.60%
24-35 Months
0.70%
0.70%
36-47 Months
0.75%
0.75%
48-59 Months
0.80%
0.80%
60 Months
1.00%
1.00%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 0.25%
APY* 0.25%
6-11 Months
0.35%
0.35%
12-17 Months
0.50%
0.50%
18-23 Months
0.60%
0.60%
24-35 Months
0.70%
0.70%
36-47 Months
0.75%
0.75%
48-59 Months
0.80%
0.80%
60 Months
1.00%
1.00%

$25,000.00-$49,999.99

Term 3-5 Months
Dividend Rate 0.25%
APY* 0.25%
6-11 Months
0.35%
0.35%
12-17 Months
0.55%
0.55%
18-23 Months
0.60%
0.60%
24-35 Months
0.70%
0.70%
36-47 Months
0.80%
0.80%
48-59 Months
0.85%
0.85%
60 Months
1.00%
1.00%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 0.25%
APY* 0.25%
6-11 Months
0.40%
0.40%
12-17 Months
0.55%
0.55%
18-23 Months
0.65%
0.65%
24-35 Months
0.75%
0.75%
36-47 Months
0.85%
0.85%
48-59 Months
0.90%
0.90%
60 Months
1.09%
1.10%

$100,000.00+

Term 3-5 Months
Dividend Rate 0.25%
APY* 0.25%
6-11 Months
0.40%
0.40%
12-17 Months
0.60%
0.60%
18-23 Months
0.65%
0.65%
24-35 Months
0.75%
0.75%
36-47 Months
0.85%
0.85%
48-59 Months
0.90%
0.90%
60 Months
1.14%
1.15%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/06/2022. 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.

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Savings with more flexibility 

Not sure when you’ll need your savings? No problem. With our regular savings accounts, withdraw funds anytime. And there's no monthly maintenance fee. Start with as little as $1.

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