RISK-FREE RETURNS, LOW MINIMUM BALANCES.

Term Savings Certificate

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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!


Choose a Great Rate and Earn More! 
Get more for your money with a special term savings certificate! Enjoy a risk-free return, plus the option to renew automatically at our standard certificate rate.

  • 3.75% APY1 guaranteed 27-month with opening balances of $50,000 or more of new money.
    – Rate available via online banking for members with funds on deposit.
  • 3.00% APY2 guaranteed 35-month with opening balances of $50,000 and above.
  • 2.75% APY3 guaranteed 35-month with opening balances below $50,000.

To get started, current members can sign on to Online Banking and click “Open an Account.”

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!
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!

Accelerate your savings. Enjoy higher earnings on your money risk free.

1Annual Percentage Yield (APY) is accurate as of October 20, 2022. 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 27-month certificate is $50,000, 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 October 20, 2022. The dividend rate and APY may change at any time. The minimum deposit for this 35-month certificate is $50,000. 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.

3Annual Percentage Yield (APY) is accurate as of October 20, 2022. The dividend rate and APY may change at any time. The minimum deposit for this 35-month certificate is $500.00. 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.

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.

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 0.60%
APY* 0.60%
6-11 Months
1.00%
1.00%
12-17 Months
1.29%
1.30%
18-23 Months
1.29%
1.30%
24-34 Months
1.69%
1.70%
36-47 Months
1.79%
1.80%
48-59 Months
1.98%
2.00%
60 Months
2.47%
2.50%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 0.60%
APY* 0.60%
6-11 Months
1.00%
1.00%
12-17 Months
1.29%
1.30%
18-23 Months
1.29%
1.30%
24-34 Months
1.69%
1.70%
36-47 Months
1.79%
1.80%
48-59 Months
1.98%
2.00%
60 Months
2.47%
2.50%

$25,000.00-$49,999.99

Term 3-5 Months
Dividend Rate 0.60%
APY* 0.60%
6-11 Months
1.00%
1.00%
12-17 Months
1.29%
1.30%
18-23 Months
1.29%
1.30%
24-34 Months
1.69%
1.70%
36-47 Months
1.79%
1.80%
48-59 Months
1.98%
2.00%
60 Months
2.47%
2.50%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 0.60%
APY* 0.60%
6-11 Months
1.00%
1.00%
12-17 Months
1.29%
1.30%
18-23 Months
1.29%
1.30%
24-34 Months
1.69%
1.70%
36-47 Months
1.79%
1.80%
48-59 Months
1.98%
2.00%
60 Months
2.47%
2.50%

$100,000.00+

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.09%
1.10%
12-17 Months
1.39%
1.40%
18-23 Months
1.39%
1.40%
24-34 Months
1.79%
1.80%
36-47 Months
1.88%
1.90%
48-59 Months
2.08%
2.10%
60 Months
2.57%
2.60%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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.

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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.

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.