Maybe you’re expecting an addition to the family. Or planning an epic road trip down Highway 1. Or designing a one-of-a-kind wedding.
Saving money makes it happen.
Select the savings plan that works for your goals! Open a Regular Savings Account for just $1, start a Money Market Savings account with $100 or more to earn a higher Annual Percentage Yield (APY), or put your savings on autopilot with automatic transfers and a custom payout date with a FlexSavings account.
At Golden 1, your dream is our goal! We can help you compare plans and choose the one that's just right for you.
View by Type
Regular Savings Account
Golden 1’s Regular Savings Account requires just a minimum opening deposit of only $1 and establishes you as a member of Golden 1. This account yields dividends that are paid monthly and has no monthly maintenance fee.
*See Fee Schedule.
Additional Savings Account
Golden 1’s Regular Savings Account requires just a minimum opening deposit of only $1 and establishes you as a member of Golden 1. This account yields dividends that are paid monthly and has no monthly maintenance fee or minimum balance fee.
*See Fee Schedule.
Money Market Savings Account
You save the smart way when you open up a Money Market Savings Account. This account lets you maximize your earnings based on the tier-rate for your full balance and gives you access to withdraw anytime, without penalties.
FlexSavingsSM Savings Account
Save for special occasions with a FlexSavings Account. Earn high monthly dividends when you save for a wedding, vacation or any other special event. You control the payout date, so it’s easy to keep your goals within reach.
*If any withdrawals are made from this account before the payout date, this account will be closed. The payout date is selected by the member and must be on the first day of any month of any year, not to exceed 20 years. On the payout date, the funds will be transferred to the member’s Regular Savings account.
*Annual Percentage Yield (APY) and dividend rate may change at any time. The APY accurate as of 12/11/2023. Rates are variable and may change after the account is opened. The minimum opening deposit is $20; however, if you set up payroll deduction or automatic transfer, the minimum deposit is $5. If you withdraw any part of your FlexSavings Account before the payout date, (the first of any month of any year up to 20 years, selected by you at account opening), the entire account must be closed. On your selected payout date, the funds will automatically be transferred to your Golden 1 Regular Savings Account.
Visit A BranchYouth Savings Account
Teaching your kids about the value of a dollar and the importance of saving is easy with a Golden 1 Youth Savings Account. This account allows members under the age of 18 the ability to make withdrawals and deposits and experience managing their own money, all while earning dividends. A parent or legal guardian must be a joint owner on the account until the minor reaches the age of 18.
*See Fee Schedule.
*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 12/11/2023. Fees may reduce earnings. Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $1.
Apply OnlineSanta SaverSM Savings Account
Saving for the holidays is easy and convenient with a Golden 1 Santa Saver℠ Savings Account. This account lets you save for your holiday expenses all year long, and on November 1st, funds transfer into your designated account, just in time for the holiday shopping season.
*You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.
*If any withdrawal is made from the account before October 31, the account will be closed. Payout of this account on November 1 will be an automatic transfer to your regular savings or checking account as designated by you.
*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 12/11/2023. Dividend rates are variable and subject to change monthly after the account is opened. If you withdraw any part of your Santa Saver Account before the maturity date (October 31), the entire account must be closed and will remain closed until the opening period (November 1) begins for the following year’s Santa Saver Account. Upon maturity (October 31), the funds will automatically be transferred to your Golden 1 Regular Savings Account or checking account on November 1. The minimum opening deposit is $20; however, if you set up payroll deduction or automatic transfer, the minimum deposit is $5.
Apply OnlineCoverdell Education Savings
A Coverdell Education Savings Account allows you to get tax advantages while you save for qualifying educational expenses like tuition, room and board, and books. If it’s a private elementary school or a university, a Coverdell Education Savings Account can help you plan for your child’s future education.
Compare Savings Accounts
| Low $1 opening deposit |
| Low $0.01 daily balance required to obtain Annual Percentage Yield (APY) |
| Unlimited ATM transactions* |
| No monthly maintenance fee |
| Account may be linked to another Golden 1 account and used as overdraft protection |
| Apply Online |
| Low $1 opening deposit |
| Low $0.01 daily balance required to obtain Annual Percentage Yield (APY) |
| Unlimited ATM transactions* |
| No monthly maintenance fee |
| No minimum balance fee |
| Account may be linked to another Golden 1 account and used as overdraft protection |
| Apply Online |
| Only $100 minimum opening deposit |
| No minimum balance required to earn dividends and Annual Percentage Yield (APY) |
| No monthly service charge |
| Account may be linked to another Golden 1 account and used as overdraft protection |
| Apply Online |
| $20 to open, or $5 with payroll deduction or automatic transfer from another Golden 1 account |
| You select the payout date |
| Funds automatically transferred to your regular saving account* |
| No minimum balance required to earn dividends and Annual Percentage Yield (APY) |
| Visit A Branch |
| Low $1 opening deposit |
| No minimum balance required to earn dividends and Annual Percentage Yield (APY) |
| Withdraw and deposit without co-signer present* |
| Apply Online |
| Low $20 minimum deposit or $5 if you sign up for a payroll deduction or automatic transfer from another Golden 1 account |
| No minimum balance required to earn dividends and Annual Percentage Yield (APY) |
| Open any time of year |
| Renews automatically each year |
| Funds automatically transfer on November 1* |
| Apply Online |
| Tax-free withdrawals when funds are used for qualified education purposes |
| $2,000 maximum deposit per year, per child |
| $25 minimum deposit for 12 month term and $500 for all other terms |
| Flexible terms from 3 to 60 months |
| Regular account statement |
| No setup or annual maintenance fees |
| Longer terms offer higher dividend rate |
| Automatic renewal at maturity |
| Seven calendar day grace period at maturity date with no Golden 1 penalties to withdraw from or close account |
| Federally insured by the NCUA |
| Apply Online |
All accounts include…
Earn Dividends
Mobile and Text Banking
Online Banking
Telephone Teller
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