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Checking
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Savings
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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+
Regular Savings Account
$0.01-$9,999.99
$10,000.00-$99,999.99
$100,000.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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-$99,999.99
$100,000.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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-$499,999.99
$500,000.00+
*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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 OnlineSanta SaverSM Savings Account
*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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 OnlineGrowth Savings Account
$0.01-$999.99
$1,000.00-$1,999.99
$2,000.00-$4,999.99
$5,000.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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 OnlineYouth Savings Account
$0.01-$999.99
$1,000.00-$1,999.99
$2,000.00-$4,999.99
$5,000.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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.
Apply for Youth SavingsNew Auto
*The 90 days to first payment applies to all borrowers for new and used auto loans. *Excluding 10-15 model years old and cash out refinances. Maximum total amount financed up to $75,000. Interest will accrue during deferment period from the loan origination date.
Apply online for a new auto loanUsed Auto
*The 90 days to first payment applies to all borrowers for new and used auto loans. *Excluding 10-15 model years old and cash out refinances. Maximum total amount financed up to $75,000. Interest will accrue during deferment period from the loan origination date.
Apply online for a used auto loanNew 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 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 All-Terrain or Utility 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 All-Terrain Vehicle or Utility 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 OnlineNew Jet Ski loans
*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 Jet Ski
*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 Motorcycle
*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
*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 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 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 Snowmobile
*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 Snowmobile
*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
*Annual Percentage Rate (APR). Rates vary with amount financed, term and your credit history. Late payment fee is $15.
Apply NowPersonal Line of Credit
*All loans subject to approval. Annual Percentage Rate (APR). The lowest rate assumes membership of at least six months. Lowest rate available to new members is 14.04%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater.
Apply NowPersonal Loan
*All loans subject to approval. Annual Percentage Rate (APR). The lowest rate assumes membership of at least six months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater.
Apply NowMember Cash Rewards+
Member Rate Advantage
Member First
Term Savings Certificate
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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.
Not all terms may be available through the online application.
Rates for Legacy Renewal Certificates.
IRA Certificate
Add Funds IRA Certificate $25.00+
*The dividend rate and Annual Percentage (APY) accurate as of 07/14/2025. 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 7-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.
Rates for Legacy Renewal Certificates.
Apply onlineIRA Savings
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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
Add Funds Coverdell Certificate $25.00+
*The dividend rate and Annual Percentage (APY) accurate as of 07/14/2025. 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.
Rates for Legacy Renewal Certificates.
Apply Online10-Month Term Savings Certificate
$500.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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. 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 this 10-month certificate is $500. The APY is based on an assumption that principal and 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.
Learn more about opening a 10 - Month Term Savings Certificate.
10-Month IRA Certificate
$500.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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. 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 this 10-month certificate is $500. The APY is based on an assumption that principal and 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.
Learn more about opening a 10 - Month IRA Certificate.
10-Month Coverdell Education Savings Certificate
$500.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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. 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 this 10-month certificate is $500. The APY is based on an assumption that principal and 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.
Learn more about opening a 10 - Month Coverdell Education Certificate.
14-Month Term Savings Certificate
$500.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. The dividend rate and APY may change at any time. The minimum deposit required to open this account is $500.00. The minimum opening deposit for this 14-month certificate is $500. The APY is based on an assumption that principal and 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.
Learn more about opening a 14-Month Term Savings Certificate.
14-Month IRA Certificate
$500.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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 this 14-month certificate is $500. The APY is based on an assumption that principal and 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.
Learn more about opening a 14-Month IRA Certificate.
14-Month Coverdell Education Savings Certificate
$500.00+
*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2025. 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. 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 this 14-month certificate is $500. The APY is based on an assumption that principal and 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.
Learn more about opening a 14 - Month Coverdell Education Certificate.
Find rates for discontinued credit cards here.
Rates for Legacy Renewal Certificates.
