Personal Banking
Term Savings Certificates
There's no guesswork when growing your money with guaranteed rates of return and flexible terms. Lock in your savings and watch your money grow with a Golden 1 Term Savings Certificate.
- Receive our highest rates when you put your money in a Term Savings Certificate
- Flexible terms from 3 to 60 months
- Only $500 minimum deposit to open2
- Dividends compounded monthly
Already a Golden 1 member? For faster funding and more options, log in to Online Banking and select “Open Account.” Looking to open a separate membership or additional checking account? Click “Apply Today”.
Term Savings Certificates features
Guaranteed returns
Lock in a high interest rate that won’t change for the term of your Certificate.
Higher dividends
Term certificates offer higher interest rates than traditional savings accounts.
Terms from 3-60 months
Lock in an interest rate for the length of time that fits your savings goals.
Current rates
Current rates
| Term | Dividend Rate* | APY* | Minimum Balance |
|---|---|---|---|
| 10 Month Special | 4.17% | 4.25% | $500.00+ |
| 14 Month Special | 4.12% | 4.20% | $500.00+ |
| Term | Dividend Rate* | APY* | Minimum Balance |
|---|---|---|---|
| 3 Month | 2.96% | 3.00% | $500.00 |
| 6 Month | 3.01% | 3.05% | $500.00 |
| 12 Month | 3.40% | 3.45% | Standard: $500.00, IRA:$25.00 |
| 18 Month | 3.40% | 3.45% | $500.00 |
| 24 Month | 3.44% | 3.50% | $500.00 |
| 36 Month | 3.54% | 3.60% | $500.00 |
| 48 Month | 3.59% | 3.65% | $500.00 |
| 60 Month | 3.74% | 3.80% | $500.00 |
*The dividend rate and Annual Percentage Yield (APY) accurate as of 06/05/2025. 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.
Traditional 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. The minimum opening deposit for an IRA certificate or Coverdell Education Savings account is $500, except for the 12-month term, which is $25. The dividend rate and APY may change at any time. There is no minimum balance required to earn the stated APY. The APY is based on an assumption that principal and 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.
Not all terms may be available through the online application.
Rates for Legacy Renewal Certificates.
An effortless renewal process
Great news, your certificate will automatically renew on the maturity date at the renewal rate in effect, so no action is necessary.
However, if you would like to make a change to your certificate, you will have a fourteen (14) calendar-day grace period after the maturity date to do so, penalty free. By using our self-service digital option within Online Banking, you can initiate the process and will receive a confirmation email once it is completed.
Here's how:
- Log in to Online Banking: Access your account using your credentials.
- Access Certificate Management: Once logged in, click the "Open Account/Manage Certificates" link from the right-hand menu. Then select "Certificates Management."
- Select the Certificate: Term Savings Certificates eligible for action within the fourteen (14) calendar-day grace period will be featured at the top of the page, highlighted, with a bolded border for easy identification; clicking on them will populate the required information needed to complete your request.
Term Certificate FAQs
-
A term savings certificate is a fixed-term deposit account that offers a guaranteed interest rate over a specified period of time, usually between 3.00% and 4.65% over 3 to 60 months, that provides predictable, risk-free returns on your savings.
Here for you, here for California
At Golden 1 Credit Union, we're about more than just banking--we're about building stronger California communities and helping you thrive. It's our mission to empower you with financial solutions and resources that fit your everyday life, and by giving back to the communities and neighborhoods we call home.
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More ways we can help
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Term Savings Certificate Specials
Get even more from your savings by locking in our highest rates.
MarketRate Checking
Boost your savings with high-yield benefits on higher balances!
Individual Retirement Account (IRA)
Take advantage of potential tax benefits, while building toward the future you want.
2You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.
