4 RATES. ONE PERFECT MATCH.

Select from these great choices of term & rate! Limited-time Term Savings Certificate special.

Learn More

A high-yield term savings certificate with compounding dividends can help you reach your saving goals faster! As California’s Leading Credit Union, Golden 1 term certificates offer a variety of rates and terms for predictable, risk-free returns on your hard-earned savings. Save with us and enjoy greater peace of mind, knowing your money is federally insured up to $250,000 by the NCUA. Choose a term that fits your long-or short-term goals. Lock in a great rate and enjoy the convenience of a set-it-and-forget-it savings tool. Open an account today!

With clear, reliable returns and low, $500 minimum opening deposits, our term savings certificates offer higher rates than regular savings accounts. So they’re an ideal choice if you’re looking to make your money work harder. Save confidently with the secure and flexible features of a Golden 1 Term Savings Certificate.

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+

Term 4 Months
Dividend Rate 4.84%
APY* 4.95%
13 Months
4.60%
4.70%
21 Months
4.46%
4.55%
48 Months
3.93%
4.00%

$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 05/20/2024. 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.

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.

  • 4.95% APY* 4-month term
  • 4.70% APY 13-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 May 14, 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 4-month, 13-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.

An Effortless Renewal Process


Great news, your certificate will automatically renew on the maturity date at the current dividend rate in effect, so no action is necessary.

However, if you would like to make a change to your certificate, you will have a fourteen (14) calendar-day grace period after the maturity date to do so, penalty free. By using our self-service digital option within Online Banking, you can initiate the process and will receive a confirmation email once it is completed.

Here's how:

  1. Log into Online Banking: Access your account using your credentials.
  2. Access Certificate Management: Once logged in, click the "Open Account/Manage Certificates" link from the right-hand menu. Then select "Certificates Management."
  3. Select the Certificate: Term Savings Certificates eligible for action within the fourteen (14) calendar-day grace period will be featured at the top of the page, highlighted, with a bolded border for easy identification; clicking on them will populate the required information needed to complete your request.
zf-beacon