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Checking
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Savings
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Home Loans
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Personal Loans
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Credit Cards
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Certificates
Premium CheckingSM
$1,000.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 & Over
*Dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. Fees may reduce earnings. The dividend rate and APY may change at any time. Rates are variable and rates may change after the account is opened. Fees may reduce earnings. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Minimum opening deposit is $25.
Apply OnlineRegular Savings Account
$0.01 - $9,999.99
$10,000.00 & Over
*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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).
Apply OnlineAdditional Savings Account
$0.01 - $9,999.99
$10,000.00 & Over
*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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).
Apply OnlineMoney Market Savings Account
$0.01-$9,999.99
$10,000.00-$49,999.99
$50,000.00-$99,999.99
$100,000.00-$249,999.99
$250,000.00 & Over
*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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 $100. There is no minimum balance requirement to obtain the APY.
Apply OnlineFlexSavingsSM Savings Account
*Annual Percentage Yield (APY) and dividend rate may change at any time. The APY accurate as of 12/01/2022. 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.
Apply OnlineYouth Savings Account
*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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
*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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 OnlineNew Auto
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors.
Apply OnlineUsed Auto
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors.
Apply OnlineFirst-Time New and Used Auto Buyer
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 auto loan.
New Boat
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan.
Apply OnlineNew RV
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 RV loan.
Apply OnlineUsed Boat
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan.
Apply OnlineUsed RV
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 RV loan.
Apply OnlineNew Motorcycle, Jet Ski, or All-Terrain Vehicle
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan.
Apply OnlineUsed Motorcycle, Jet Ski, or All-Terrain Vehicle
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan.
Apply OnlineCredit Starter Loan
Personal Line of Credit
Personal Loan
*All loans subject to approval. Annual Percentage Rate (APR). Late Payment fee is 5% of the past due amount or $15, whichever is greater. 7.24% APR reflects a 1% discount for members who have an account open for at least 6 months prior to application submission. Rates vary with term, and your credit history.
Apply NowMember Cash Rewards+
Member Rate Advantage
Member First
Term Savings Certificate
*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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.
Apply OnlineIRA Certificate
$25.00-$9,999.99
*The dividend rate and Annual Percentage (APY) accurate as of 12/01/2022. 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 an IRA certificate or Coverdell Education Savings account is $500, except for the 12-month term, which 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.
Apply OnlineIRA Savings
$0.01 - $9,999.99
$10,000.00 & Over
*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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).
Apply OnlineCoverdell Education Savings
$25.00-$9,999.99
*The dividend rate and Annual Percentage (APY) accurate as of 12/01/2022. 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 an IRA certificate or Coverdell Education Savings account is $500, except for the 12-month term, which 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.
Apply Online27-Month Term Savings Certificate
$50,00.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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 promotional certificate is $50,000. 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.
27-Month IRA Certificate
$50,000.00+
*The dividend rate and Annual Percentage (APY) accurate as of 12/01/2022. 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 promotional IRA certificate is $50,000. 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.
35-Month Term Savings Certificate
$500.00-$49,999.99
$50,000.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/01/2022. 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 promotional 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.
35-Month IRA Certificate
$500.00-$49,999.99
$50,000.00+
*The dividend rate and Annual Percentage (APY) accurate as of 12/01/2022. 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 promotional IRA 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 1-877-GOLDEN 1 (1-877-465-3361) for current rates.
