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.
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| Flexible terms from 3 to 60 months |
| No minimum balance fee |
| Only $500 minimum opening deposit unless specified otherwise |
| Dividends paid monthly |
| Funds can be collateral for a Certificate Loan |
| Longer terms offer higher dividend rate |
| Dividends compounded monthly |
| Automatic renewal at maturity |
| Fourteen (14) 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. |
| Open an account |
4 RATES, ONE PERFECT MATCH!
Limited-Time Offer. High-Yield, Risk-Free Returns.
Select from four great choices of term and rate and lock in high returns with this Term Savings Certificate or IRA1 Certificate special.
- 4.85% APY 9-month term
- 4.75% APY 14-month term
- 4.55% APY 21-month term
- 4.00% APY 48-month term
- Enjoy higher returns, risk-free
- Minimum opening deposit of $500
- Option to renew automatically
To get started, log in to Online Banking and click Open an Account. You can also make an appointment at one of our convenient branch locations throughout California or call 1-877 GOLDEN 1 (1-877-465-3361).
Not yet a member? You can join online and then open your new Term Savings Certificate – online, by phone, or at one of our convenient branch locations.
Get the same great rate and term on an IRA Certificate
To open an IRA Certificate,1 visit our IRA Service Center, print and complete the form, then bring it to any Golden 1 branch or mail it to us at the address provided on the form.
Take advantage of this limited-time offer today.
* Annual Percentage Yield (APY) is accurate as of September 6, 2024, and 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 these 9-month, 14-month, 21-month, and 48-month certificates is $500. There is no minimum daily balance requirement to obtain the APY. These certificates are not extended to organization accounts. Rates and term are subject to change without notice. Call 1 877 GOLDEN 1 (1 877 465 3361) for current rates.
1 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.
ENJOY HIGHER RETURNS
With a Bump-Up Term Savings Certificate
Lock a great rate now – and if available, bump up to a better rate later!
- 4.05% APY*
- 20-month term
- Enjoy higher returns, risk-free
During the original 20-month term, you have a one-time option to bump this APY up for a better rate if we offer a higher 20-Month Term Savings Certificate APY. The new APY will be paid for the remainder of the term.
- There's no fee for the bump-up increase!
- To request a bump, call 1-877-GOLDEN 1 (1-877-465-3361) or visit your local branch.
- The maturity date will remain the same as originally scheduled.
- Accountholders are responsible for requesting the bump-up increase.
Open your Bump-Up Certificate today!
To get started, log in to Online Banking and click Open an Account. You can also make an appointment at one of our convenient branch locations throughout California or call 1-877 GOLDEN 1 (1-877-465-3361).
Not yet a member?
You can join online and then open your new Term Savings Certificate – online, by phone, or at one of our convenient branch locations.
Get the same great rate and term on an IRA Certificate
To open an IRA Certificate,1 visit our IRA Service Center, print and complete the form, then bring it to any Golden 1 branch or mail it to us at the address provided on the form.
Take advantage of this limited-time offer today!
* Annual Percentage Yield (APY) is accurate as of May 29, 2024, and 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 20-month certificate is $500. There is no minimum daily balance requirement to obtain the APY. These certificates are not extended to organization accounts. Rates and term are subject to change without notice. Call 1 877 GOLDEN 1 (1 877 465 3361) for current rates.
The rate on a Bump-Up Certificate may change if the bump-up increase option is exercised. Bump-up increases are limited to once during the original term of the certificate. Rate increases are limited to the current rates for the same term length as of the date the bump-up increase is requested.
1Traditional 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.
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