MOVE YOUR MONEY TO GOLDEN 1.

Lock in on your goals with guaranteed returns. Limited-time term savings certificate special offer.

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.

LIMITED-TIME TERM SAVINGS CERTIFICATE OFFERS!

Move your money to Golden 1!  Plan for short term, long term, or a combination of both with our two special term savings certificates.

  • 5.25% APY1 9-month certificate with opening balances of $500 or more of new money. Rate available via online banking for members with funds on deposit.
  • 4.65% APY2 28-month certificate with opening balances of $500 or more of new money. Rate available via online banking for members with funds on deposit.

  • Enjoy a risk-free return, plus the option to renew automatically at our standard certificate rate.

    To get started, current members can sign on to Online Banking and click “Open an Account” (assuming funds are already on deposit with Golden 1).

    New members can make an appointment at any Golden 1 branch or call 1-877-GOLDEN 1 (1-877-465-3361).

    IRA Certificates available too!

    You may still have time to get a deduction on your 2022 returns,3 given the extended Federal and California state tax filing deadlines this year. To open an IRA4 Certificate, visit our IRA Service Center, print out the form, then visit a branch or mail it to us at the address provided.

    Take advantage of these limited time offers. Make a deposit or roll over retirement plan funds into a new certificate today!

    Enjoy higher earnings on your money - RISK FREE.
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    1Annual Percentage Yield (APY) is accurate as of September 12, 2023. The dividend rate and APY may change at any time. The APY is based on an assumption that dividends will remain in the account until maturity. Any fees, withdrawals or transfers reduces earnings and there may be penalties for early withdrawal. The minimum deposit for this 9-month certificate is $500, and may be opened online or 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. There is no minimum daily balance requirement to obtain the APY. This certificate is not extended to organization accounts.

    2Annual Percentage Yield (APY) is accurate as of September 12, 2023. The dividend rate and APY may change at any time. 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. The minimum deposit for this 28-month certificate is $500, and may be opened online or 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. There is no minimum daily balance requirement to obtain the APY. This certificate is not extended to organization accounts.

    3Consult your tax advisor. Golden 1 does not provide tax advice.

    4Traditional 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.

    Open Online: Step-By-Step

    You can open an account at home from your phone or computer. Follow these steps to open:

    1. Open a new member account (or, if you’re already a member, skip to step 3).
    2. Enroll in Online Banking.
    3. Sign on to Online Banking.
    4. Wire or ACH desired certificate balance into member account.
    5. Within Online Banking, click “Open an Account” then select “Savings and Certificates” to open a CD.
    6. Transfer funds at opening.

    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 2.96%
    APY* 3.00%
    6-11 Months
    3.01%
    3.05%
    12-17 Months
    3.40%
    3.45%
    18-23 Months
    3.40%
    3.45%
    24-35 Months
    3.44%
    3.50%
    36-47 Months
    3.54%
    3.60%
    48-59 Months
    3.59%
    3.65%
    60 Months
    3.74%
    3.80%

    $10,000.00-$24,999.99

    Term 3-5 Months
    Dividend Rate 2.96%
    APY* 3.00%
    6-11 Months
    3.01%
    3.05%
    12-17 Months
    3.40%
    3.45%
    18-23 Months
    3.40%
    3.45%
    24-35 Months
    3.44%
    3.50%
    36-47 Months
    3.54%
    3.60%
    48-59 Months
    3.59%
    3.65%
    60 Months
    3.74%
    3.80%

    $25,000.00-$49,999.99

    Term 3-5 Months
    Dividend Rate 2.96%
    APY* 3.00%
    6-11 Months
    3.01%
    3.05%
    12-17 Months
    3.40%
    3.45%
    18-23 Months
    3.40%
    3.45%
    24-35 Months
    3.44%
    3.50%
    36-47 Months
    3.54%
    3.60%
    48-59 Months
    3.59%
    3.65%
    60 Months
    3.74%
    3.80%

    $50,000.00-$99,999.99

    Term 3-5 Months
    Dividend Rate 2.96%
    APY* 3.00%
    6-11 Months
    3.01%
    3.05%
    12-17 Months
    3.40%
    3.45%
    18-23 Months
    3.40%
    3.45%
    24-35 Months
    3.44%
    3.50%
    36-47 Months
    3.54%
    3.60%
    48-59 Months
    3.59%
    3.65%
    60 Months
    3.74%
    3.80%

    $100,000.00+

    Term 3-5 Months
    Dividend Rate 3.06%
    APY* 3.10%
    6-11 Months
    3.11%
    3.15%
    12-17 Months
    3.49%
    3.55%
    18-23 Months
    3.49%
    3.55%
    24-35 Months
    3.54%
    3.60%
    36-47 Months
    3.64%
    3.70%
    48-59 Months
    3.69%
    3.75%
    60 Months
    3.83%
    3.90%

    *The dividend rate and Annual Percentage Yield (APY) accurate as of 09/29/2023. 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

    An Effortless Renewal Process

    Discover an effortless way to handle certificate renewals and inquiries with Golden 1's secure messaging feature. By using our secure messaging platform, you can initiate the renewal process and receive swift assistance from our experts.

    Here's how:

    1. Log into Online Banking: Access your account using your credentials.
    2. Access Secure Messaging: Once logged in, click the "Messages" icon at the top right.
    3. Compose a Message: Select "Compose" or "Compose New Message."
    4. Select Certificate & IRA: Choose "Certificate & IRA" from subject options.
    5. Craft Your Message: Explain your certificate-related needs. Transfer funds to a savings account, another certificate or close your account.
    6. Hit Send: Click "Send" and our dedicated team will assist you promptly.

    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.

    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