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.
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