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FAQs - How to join
*You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.
1A parent or legal guardian must be a joint owner on the account until the minor reaches the age of 18.
2The dividend rate and Annual Percentage Yield (APY) accurate as of 04/16/2025. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Fees may reduce earnings. Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY). Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $1.
3You are advised to seek advice from your own tax professional and attorney.
4Annual Percentage Yield (APY) and dividend rate accurate as of 04/16/2025. Rates are variable and may change after the account is opened. Minimum opening deposit to open is $25. Any fee, withdrawal, or transfer reduces earnings. There is no minimum balance requirement to obtain the disclosed Annual Percentage Yield (APY). IRA Savings accounts are available as Traditional or Roth.
5If 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.
6You 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.
7Online Bill Payment and Zelle® are only available for members 18 or older.
There is no fee to use Zelle® in the Golden 1 Mobile Banking app and Online Banking. However, other fees may be assessed based on usage. Message and data rates may apply. Check with your mobile provider. Other fees such as, but not limited to, Golden 1 Courtesy Pay or Overdraft Protection fees may apply, if enrolled in those or other available programs.
All third-party companies, products and service names used are for identification purposes only. All service marks, trademarks and registered trademarks are the property of their respective owners.
