RISK-FREE RETURNS WITH LOW MINIMUM BALANCES.

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.

Flexible terms from 3 to 60 months
No minimum balance fee
Only $1,000 minimum opening deposit
Dividends paid monthly
Funds can be collateral for a Certificate Loan
Longer terms offer higher dividend rate
Dividends compounded monthly
Automatic renewal at maturity
Seven calendar day grace period at maturity date with no Golden 1 penalties to withdraw from or close account
Federally insured by the NCUA
Contact us by calling 1-877-GOLDEN 1 (1-877-465-3361) or visit any Golden 1 branch to apply. Current Golden 1 members can open a certificate in Online Banking.

$1,000.00-$9,999.99

Term 3-5 Months

Dividend Rate 0.30%

APY* 0.30%

6-11 Months

0.60%

12-17 Months

0.90%

18-23 Months

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%

12-17 Months

0.90%

18-23 Months

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%

12-17 Months

0.90%

18-23 Months

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%

6-7 Months

0.60%

7 Months**

1.00%

8-11 Months

0.60%

12-17 Months

0.90%

18-23 Months

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%

6-7 Months

0.65%

7 Months**

1.00%

8-11 Months

0.65%

12-17 Months

0.95%

18-23 Months

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%

*The dividend rate and Annual Percentage Yield (APY) were accurate as of 04/01/2020. 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. **This offer is for a limited time. Online offer only. The minimum balance required to open the 7 Month Certificate and/or 7 Month IRA Certificate is $50,000. 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.

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.

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How to save more money

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