All Rates

Premium CheckingSM

$1,000.00-$9,999.99

Dividend Rate
APY*
0.05%
0.05%

$10,000.00-$49,999.99

Dividend Rate
APY*
0.05%
0.05%

$50,000.00-$99,999.99

Dividend Rate
APY*
0.10%
0.10%

$100,000.00+

Dividend Rate
APY*
0.15%
0.15%

Apply online for Premium Checking

MarketRate CheckingSM

$1,000.00-$9,999.99

Dividend Rate
APY*
0.05%
0.05%

$10,000.00-$49,999.99

Dividend Rate
APY*
0.50%
0.50%

$50,000.00-$99,999.99

Dividend Rate
APY*
1.00%
1.00%

$100,000.00-$249,999.99

Dividend Rate
APY*
1.98%
2.00%

$250,000.00+

Dividend Rate
APY*
3.93%
4.00%

*Dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. Fees may reduce earnings. Rates are variable and may change after the account is opened. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Minimum opening deposit is $25.

Apply online for MarketRate Checking

Regular Savings Account

$100,000.00+

Dividend Rate
APY
0.20%
0.20%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 Online

Additional Savings Account

$10,000.00-$99,999.99

Dividend Rate
APY
0.10%
0.10%

$100,000.00+

Dividend Rate
APY
0.20%
0.20%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 Online

Money Market Savings Account

$0.01-$9,999.99

Dividend Rate
APY
0.05%
0.05%

$10,000.00-$49,999.99

Dividend Rate
APY
1.00%
1.00%

$50,000.00-$99,999.99

Dividend Rate
APY
1.00%
1.00%

$100,000.00-$249,999.99

Dividend Rate
APY
1.24%
1.25%

$250,000.00-$499,999.99

Dividend Rate
APY
1.24%
1.25%

$500,000.00+

Dividend Rate
APY
1.49%
1.50%

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 Online

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 accurate as of 05/21/2025. 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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Santa SaverSM Savings Account

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

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 Online

New Auto

As low as 6.04% APR*

*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 loan

New Auto

As low as 6.04% APR*

*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 loan

Used Auto

As low as 6.19% APR*

*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 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 vehicle loan.

Apply Online

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 vehicle loan.

Apply Online

New RV

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 RV loan.

Apply Online

Used RV

As low as 7.74% 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 RV loan.

Apply Online

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 vehicle loan.

Apply Online

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 vehicle loan.

Apply Online

Credit Starter Loan

16.25% APR*

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

Apply Now

Personal Line of Credit

As low as 12.04% APR*

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

Apply Now

Personal Loan

As low as 8.89% APR*

*All loans subject to approval. Annual Percentage Rate (APR). Late Payment fee is 5% of the past due amount or $15, whichever is greater. 8.89% APR reflects a 0.75% 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.

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Member Cash Rewards+

16.04% to 22.04% APR*

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

Apply Now

Member Rate Advantage

12.04% to 18.04% APR*

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

Apply Today

Member First

14.04% APR

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

Apply Now

Term Savings Certificate

$500.00+

Term
Dividend Rate
APY*
10 Months
4.17%
4.25%
16 Months
4.22%
4.30%
22 Months
4.22%
4.30%

$500.00-$9,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
12-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$10,000.00-$24,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
12-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$25,000.00-$49,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
12-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$50,000.00-$99,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
12-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$100,000.00+

Term
Dividend Rate
APY*
3-5 Months
3.06%
3.10%
6-11 Months
3.11%
3.15%
12-17 Months
3.49%
3.55%
18-23 Months
3.49%
3.55%
24-35 Months
3.54%
3.60%
36-47 Months
3.64%
3.70%
48-59 Months
3.69%
3.75%
60 Months
3.83%
3.90%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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.

Open an account

IRA Certificate

$500.00+

Term
Dividend Rate
APY*
10 Months
4.17%
4.25%
16 Months
4.22%
4.30%
22 Months
4.22%
4.30%

$25.00-$99,999.99

Term
Dividend Rate
APY*
12 Months
3.40%
3.45%

$100,000+

Term
Dividend Rate
APY*
12 Months
3.49%
3.55%

$500.00-$9,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$10,000.00-$24,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$25,000.00-$49,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18 -23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$50,000.00-$99,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$100,000.00+

Term
Dividend Rate
APY*
3-5 Months
3.06%
3.10%
6-11 Months
3.11%
3.15%
13-17 Months
3.49%
3.55%
18-23 Months
3.49%
3.55%
24-35 Months
3.54%
3.60%
36-47 Months
3.64%
3.70%
48-59 Months
3.69%
3.75%
60 Months
3.83%
3.90%

*The dividend rate and Annual Percentage (APY) accurate as of 05/21/2025. 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.

Apply online

IRA Savings

4.00% APY* on Daily Balance of $0.01 & Over

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 online

Coverdell Education Savings

$500.00+

Term
Dividend Rate
APY*
10 Months
4.17%
4.25%
16 Months
4.22%
4.30%
22 Months
4.22%
4.30%

$25.00-$99,999.99

Term
Dividend Rate
APY*
12 Months
3.40%
3.45%

$100,000+

Term
Dividend Rate
APY*
12 Months
3.49%
3.55%

$500.00-$9,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$10,000.00-$24,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$25,000.00-$49,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$50,000.00-$99,999.99

Term
Dividend Rate
APY*
3-5 Months
2.96%
3.00%
6-11 Months
3.01%
3.05%
13-17 Months
3.40%
3.45%
18-23 Months
3.40%
3.45%
24-35 Months
3.44%
3.50%
36-47 Months
3.54%
3.60%
48-59 Months
3.59%
3.65%
60 Months
3.74%
3.80%

$100,000.00+

Term
Dividend Rate
APY*
3-5 Months
3.06%
3.10%
6-11 Months
3.11%
3.15%
13-17 Months
3.49%
3.55%
18-23 Months
3.49%
3.55%
24-35 Months
3.54%
3.60%
36-47 Months
3.64%
3.70%
48-59 Months
3.69%
3.75%
60 Months
3.83%
3.90%

*The dividend rate and Annual Percentage (APY) accurate as of 05/21/2025. 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.

Apply Online

10-Month Term Savings Certificate

$500.00+

Term
Dividend Rate
APY*
10 Months
4.17%
4.25%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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+

Term
Dividend Rate
APY*
10 Months
4.17%
4.25%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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+

Term
Dividend Rate
APY*
10 Months
4.17%
4.25%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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.

16-Month Term Savings Certificate

$500.00+

Term
Dividend Rate
APY*
16 Months
4.22%
4.30%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 16-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 16 - Month Term Savings Certificate.

16-Month Coverdell Education Savings Certificate

$500.00+

Term
Dividend Rate
APY*
16 Months
4.22%
4.30%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 16-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 16 - Month Term Savings Certificate.

22-Month Term Savings Certificate

$500.00+

Term
Dividend Rate
APY*
22 Months
4.22%
4.30%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 22-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 22-Month Term Savings Certificate.

22-Month IRA Certificate

$500.00+

Term
Dividend Rate
APY*
22 Months
4.22%
4.30%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 22-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 22-Month Certificate.

22-Month Coverdell Education Savings Certificate

$500.00+

Term
Dividend Rate
APY*
22 Months
4.22%
4.30%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 05/21/2025. 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 22-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 22-Month Coverdell Education Certificate.

Find rates for discontinued credit cards here.

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