RISK-FREE RETURNS, LOW MINIMUM BALANCES.

Term Savings Certificate

Apply Today

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.

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 0.15%
APY* 0.15%
6-11 Months
0.30%
0.30%
12-17 Months
0.45%
0.45%
18-23 Months
0.45%
0.45%
24-35 Months
0.60%
0.60%
36-47 Months
0.70%
0.70%
48-59 Months
0.75%
0.75%
60 Months
0.90%
0.90%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 0.15%
APY* 0.15%
6-11 Months
0.30%
0.30%
12-17 Months
0.45%
0.45%
18-23 Months
0.45%
0.45%
24-35 Months
0.60%
0.60%
36-47 Months
0.70%
0.70%
48-59 Months
0.75%
0.75%
60 Months
0.90%
0.90%

$25,000-$49,999.99

Term 3-5 Months
Dividend Rate 0.20%
APY* 0.20%
6-11 Months
0.30%
0.30%
12-17 Months
0.45%
0.45%
18-23 Months
0.45%
0.45%
24-35 Months
0.60%
0.60%
36-47 Months
0.70%
0.70%
48-59 Months
0.75%
0.75%
60 Months
0.90%
0.90%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 0.20%
APY* 0.20%
6-11 Months
0.30%
0.30%
12-17 Months
0.45%
0.45%
18-23 Months
0.45%
0.45%
24-35 Months
0.60%
0.60%
36-47 Months
0.70%
0.70%
48-59 Months
0.75%
0.75%
60 Months
0.90%
0.90%

$100,000.00+

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
0.50%
0.50%
24-35 Months
0.65%
0.65%
36-47 Months
0.75%
0.75%
48-59 Months
0.80%
0.80%
60 Months
1.00%
1.00%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/23/2021. 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.

Apply Online

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 or minimum balance fee. Start with as little as $1.

Learn more

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.

Listen now