All Rates

$1,000.00 - $9,999.99

Dividend Rate 0.10%
APY* 0.10%

$10,000.00 - $49,999.99

Dividend Rate 0.15%
APY* 0.15%

$50,000.00 - $99,999.99

Dividend Rate 0.20%
APY* 0.20%

$100,000.00 & Over

Dividend Rate 0.25%
APY* 0.25%

*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 02/23/2020. Fees may reduce earnings. On term-savings certificates, the rate is in effect until the maturity date. Dividend rates are variable and subject to change monthly after the account is opened. The APY is based on the assumption that dividends remain on deposit within the account during the dividend period, withdrawals will reduce earnings, and there are penalties for early withdrawal. A minimum daily balance of $1,000 is required in the account each day to obtain the APY.

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Regular Savings Account

0.20% APY* on Daily Balance of $100 & Over

*The dividend rate and Annual Percentage Yield (APY) were accurate as of 02/23/2020. 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

0.20% APY* on Daily Balance of $100 & Over

*The dividend rate and Annual Percentage Yield (APY) were accurate as of 02/23/2020. 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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$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 02/23/2020. 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

0.20% APY* on Daily Balance of $0.01 & Over

*Annual Percentage Yield (APY) and dividend rate may change at any time. The APY is accurate as of 02/23/2020. 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

0.20% APY* on Daily Balance of $0.01 & Over

*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

02/23/2020. 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

0.20% APY* on Daily Balance of $0.01 & Over

*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 02/23/2020. 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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New Auto

As low as 3.49% APR*

*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.

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Used Auto

As low as 3.74% APR*

*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. 

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First-Time New and Used Auto Buyer

As low as 8.99% APR*

*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

As low as 7.90% APR*

*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.

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New RV

As low as 5.90% APR*

*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.

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Used Boat

As low as 9.25% APR*

*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.

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Used RV

As low as 7.25% APR*

*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.

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New Motorcycle, Jet Ski, or All-Terrain Vehicle

As low as 7.24% APR*

*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.

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Used Motorcycle, Jet Ski, or All-Terrain Vehicle

As low as 8.50% APR*

*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.

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Home Loan

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Equity My Way Line of Credit

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Fixed - Rate Equity Loan

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Personal Line of Credit

As low as 9.29% APR*

*Annual Percentage Rate (APR) may vary and is subject to change.

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Personal Loan

As low as 4.99% APR*

*All loans subject to approval. Annual Percentage Rate (APR). Rates vary with term, and your credit history. Late payment fee is $15.

 

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Personal Loan

As low as 4.99% APR*

 

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Starter Loan

16.25% APR*

*Annual Percentage Rate (APR). Rates vary with amount financed, term and your credit history. Late payment fee is $15.

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Platinum Rewards

As low as 9.29% APR*

*Annual Percentage Rate (APR) may vary and is subject to change.

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Platinum Rewards for Students

15.29% APR*

*Annual Percentage Rate (APR) may vary and is subject to change.

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Platinum Secured

15.29% APR*

*Annual Percentage Rate (APR) may vary and is subject to change.

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$1,000.00-$9,999.99

Term 3-5 Months
Dividend Rate 0.30%
APY* 0.30%
6-11 Months
0.60%
0.60%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
20-23 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%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
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-$49,999.99

Term 3-5 Months
Dividend Rate 0.35%
APY* 0.35%
6-11 Months
0.60%
0.60%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
20-23 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%
12-18 Months
0.90%
0.90%
19 Months
1.79%
1.80%
20-23 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%
12-18 Months
0.95%
0.95%
19 Months
1.79%
1.80%
20-23 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%

14-MONTH JUMBO** $50,000.00+ New Money

Term 14 Months
Dividend Rate 2.23%
APY* 2.25%

*The dividend rate and Annual Percentage Yield (APY) were accurate as of 02/23/2020. 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 a regular certificate is $1,000. 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.

** A minimum opening balance of $50,000 new money is required for the 14-month jumbo certificate. Jumbo term savings certificate must be funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Special certificates are not extended to organization accounts. We reserve the right to change or discontinue this program at any time. Rates and terms are subject to change without notice.

 

$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%
12 Months
0.90%
0.90%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20-23 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%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20-23 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%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20 -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%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20-23 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%
13-18 Months
0.95%
0.95%
19 Months**
1.79%
1.80%
20-23 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%

14-MONTH JUMBO*** $50,000.00+ New Money

Term 14 Months
Dividend Rate 2.23%
APY* 2.25%

*The dividend rate and Annual Percentage (APY) were accurate as of 02/23/2020. 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.

** A minimum $1,000 opening deposit is required for the 19-month IRA certificate.

*** A minimum opening balance of $50,000 new money is required for the 14-month jumbo certificate. Jumbo term savings certificate must be funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Special certificates are not extended to organization accounts. We reserve the right to change or discontinue this program at any time. Rates and terms are subject to change without notice.

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IRA Savings

0.20% APY* on Daily Balance of $0.01 & Over

*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 02/23/2020. Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $25.

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$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%
12 Months
0.90%
0.90%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20-23 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%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20-23 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%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20-23 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%
13-18 Months
0.90%
0.90%
19 Months**
1.79%
1.80%
20-23 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%
13-18 Months
0.95%
0.95%
19 Months**
1.79%
1.80%
20-23 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%

14-MONTH JUMBO*** $50,000.00+ New Money

Term 14 Months
Dividend Rate 2.23%
APY* 2.25%

*The dividend rate and Annual Percentage (APY) were accurate as of 02/23/2020. 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.

** A minimum $1,000 opening deposit is required for the 19-month IRA certificate.

*** A minimum opening balance of $50,000 new money is required for the 14-month jumbo certificate. Jumbo term savings certificate must be funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Special certificates are not extended to organization accounts. We reserve the right to change or discontinue this program at any time. Rates and terms are subject to change without notice.

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