Life is wondrous.

Start saving for those special moments.

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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! You can put your savings on autopilot with automatic transfers and a custom payout date. Open a regular savings account for just $1, and start a money market account with $2,500 or more and earn a higher Annual Percentage Yield (APY).

At Golden 1, your dream is our goal! We can help you compare plans and choose the one that's just right for you.

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 or minimum balance fee.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

*Excessive withdrawal fee will be charged for each lobby withdrawal or transfer in excess of three during a calendar month. See Fee Schedule.

Daily Balance $100 & over 0.20% APY*

*The dividend rate and Annual Percentage Yield (APY) were accurate as of 12/01/2019. Fees may reduce earnings. Dividend rates are variable and subject to change after the account is opened. A minimum of $100 is required in the account each day to obtain the disclosed APY.

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Additional Savings Account


Golden 1’s Additional Savings Account allows you to have an additional account to save for something special. This account yields dividends that are paid monthly and has no monthly maintenance fee or minimum balance fee.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

*Excessive withdrawal fee will be charged for each lobby withdrawal or transfer in excess of three during a calendar month. See Fee Schedule.

Daily Balance $100 & over 0.20% APY*

*The dividend rate and Annual Percentage Yield (APY) were accurate as of 12/01/2019. Fees may reduce earnings. Dividend rates are variable and subject to change after the account is opened. A minimum of $100 is required in the account each day to obtain the disclosed APY.

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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.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

**If the account balance falls below a minimum daily balance of $2,500, a $5.00 service charge will be assessed. $2,500 average daily balance can be maintained in aggregate deposit accounts under the same account number as the Money Market Savings Account.

$0.01 - $9,999.99

Dividend Rate 0.25%
APY 0.25%

$10,000.00 - $49,999.99

Dividend Rate 0.40%
APY 0.40%

$50,000.00 - $249,999.99

Dividend Rate 0.55%
APY 0.55%

$250,000.00 & Over

Dividend Rate 0.75%
APY 0.75%

*Annual Percentage Yields (APY) and dividend rates are established monthly by the credit union's board of directors. All dividends are compounded monthly. The dividend rate and APY were accurate as of 12/01/2019. Fees may reduce earnings. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. The minimum opening deposit is $2,500. There is no minimum balance requirement to obtain the APY. If the account balance does not maintain an average of $2,500 monthly balance, a $5 fee will be assessed.

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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.

Daily Balance $0.01 & over 0.20% APY*

*Annual Percentage Yield (APY) and dividend rate may change at any time. The APY is accurate as of 12/01/2019. 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.

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Youth 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.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

*Excessive withdrawal fee will be charged for each lobby withdrawal or transfer in excess of three during a calendar month. See Fee Schedule

Daily Balance $0.01 & over 0.20% APY*

*Annual Percentage Yields (APY) and dividend rates are established monthly by the credit union's board of directors. All dividends are compounded monthly. The dividend rate and APY were accurate as of 12/01/2019. Fees may reduce earnings. Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $1.

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Santa 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.

Daily Balance $0.01 & over 0.20% APY*

*Annual Percentage Yields (APY) and dividend rates are established monthly by the credit union's board of directors. All dividends are compounded monthly. The dividend rate and APY were accurate as of 12/01/2019. 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.

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Coverdell 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.

 

$25.00-$9,999.99

Term 12 Months
Dividend Rate 0.90%
APY* 0.90%

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 0.30%
APY* 0.30%
6-11 Months
0.60%
0.60%
13-17 Months
0.90%
0.90%
18-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 0.30%
APY* 0.30%
6-11 Months
0.60%
0.60%
12 Months
0.90%
0.90%
13-17 Months
0.90%
0.90%
18-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$25,000.00-$49,999.99

Term 3-5 Months
Dividend Rate 0.35%
APY* 0.35%
6-11 Months
0.60%
0.60%
12 Months
0.90%
0.90%
13-17 Months
0.90%
0.90%
18-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 0.35%
APY* 0.35%
6-11 Months
0.60%
0.60%
12 Months
0.90%
0.90%
13-17 Months
0.90%
0.90%
18-23 Months
0.90%
0.90%
24-35 Months
1.09%
1.10%
36-47 Months
1.19%
1.20%
48-59 Months
1.54%
1.55%
60 Months
1.88%
1.90%

$100,000.00+

Term 3-5 Months
Dividend Rate 0.40%
APY* 0.40%
6-11 Months
0.65%
0.65%
12 Months
0.95%
0.95%
13-17 Months
0.95%
0.95%
18-23 Months
0.95%
0.95%
24-35 Months
1.14%
1.15%
36-47 Months
1.24%
1.25%
48-59 Months
1.59%
1.60%
60 Months
1.98%
2.00%

*The dividend rate and Annual Percentage (APY) were accurate as of 12/5/2019. The dividend rate and APY may change at any time. There is no minimum balance required to earn the stated APY. The minimum balance required to open an IRA certificate or Coverdell Education Savings Account is $500, except for the 12-month term in which the minimum balance required to open is $25. 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 1-877-GOLDEN 1 (1-877-465-3361) for current rates.

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Low $1 opening deposit
Low $100 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
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No minimum opening deposit
Low $100 daily balance required to obtain Annual Percentage Yield (APY)
No monthly maintenance fee
No minimum balance fee
Account may be linked to another Golden 1 account and used as overdraft protection
Unlimited ATM transactions*
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Only $2,500 minimum opening deposit
No minimum balance required to earn dividends and Annual Percentage Yield (APY)
No monthly service charge if $2,500 balance is maintained**
Account may be linked to another Golden 1 account and used as overdraft protection
Up to six withdrawals or transfers to a third party per month*
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$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)
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Low $1 opening deposit
No minimum balance required to earn dividends and Annual Percentage Yield (APY)
Withdraw and deposit without co-signer present*
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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*
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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
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All accounts include…

Earn Dividends

Mobile and Text Banking

Online Banking

Telephone Teller