All Rates

Premium CheckingSM

$1,000.00-$9,999.99

Dividend Rate 0.05%
APY* 0.05%

$10,000.00-$49,999.99

Dividend Rate 0.05%
APY* 0.05%

$50,000.00-$99,999.99

Dividend Rate 0.10%
APY* 0.10%

$100,000.00+

Dividend Rate 0.15%
APY* 0.15%

*Dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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. 

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MarketRate CheckingSM

$1,000.00-$9,999.99

Dividend Rate 0.05%
APY* 0.05%

$10,000.00-$49,999.99

Dividend Rate 0.50%
APY* 0.50%

$50,000.00-$99,999.99

Dividend Rate 1.00%
APY* 1.00%

$100,000.00-$249,999.99

Dividend Rate 1.98%
APY* 2.00%

$250,000.00+

Dividend Rate 3.93%
APY* 4.00%

*Dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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.

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Regular Savings Account

$0.01-$9,999.99

Dividend Rate 0.05%
APY 0.05%

$10,000.00-$99,999.99

Dividend Rate 0.10%
APY 0.10%

$100,000.00+

Dividend Rate 0.20%
APY 0.20%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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).

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Additional Savings Account

$0.01-$9,999.99

Dividend Rate 0.05%
APY 0.05%

$10,000.00-$99,999.99

Dividend Rate 0.10%
APY 0.10%

$100,000.00+

Dividend Rate 0.20%
APY 0.20%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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).

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Money Market Savings Account

$0.01-$9,999.99

Dividend Rate 0.05%
APY 0.05%

$10,000.00-$49,999.99

Dividend Rate 1.00%
APY 1.00%

$50,000.00-$99,999.99

Dividend Rate 1.00%
APY 1.00%

$100,000.00-$249,999.99

Dividend Rate 1.24%
APY 1.25%

$250,000.00-$499,999.99

Dividend Rate 1.24%
APY 1.25%

$500,000.00+

Dividend Rate 1.49%
APY 1.50%

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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.

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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 accurate as of 07/14/2024. 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

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 6.04% APR*

*The 90 days to first payment apply 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.

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Used Auto

As low as 6.19% APR*

*The 90 days to first payment apply 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.

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First-Time New and Used Auto Buyer

As low as 8.24% 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.

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.

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New RV

As low as 7.99% 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 RV 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 vehicle loan.

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Used RV

As low as 8.49% 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 RV 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 vehicle 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 vehicle loan.

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Credit Starter Loan

16.25% APR*

*Annual Percentage Rate (APR). Late payment fee is $15.

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Personal Line of Credit

As low as 13.04% APR*

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

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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+

17.04% - 23.04% APR*

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

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Member Rate Advantage

13.04% - 19.04% APR*

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

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Member First

15.04% APR*

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

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Member Rate Advantage

$0 Annual Fee*

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

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Member First

$0 Annual Fee*

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

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Term Savings Certificate

$500.00+

Term 13 Months
Dividend Rate 4.60%
APY* 4.70%
21 Months
4.46%
4.55%
48 Months
3.93%
4.00%

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 3.06%
APY* 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 07/14/2024. 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.

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IRA Certificate

$500.00+

Term 13 Months
Dividend Rate 4.60%
APY* 4.70%
21 Months
4.46%
4.55%
48 Months
3.93%
4.00%

$25.00-$99,999.99

Term 12 Months
Dividend Rate 3.40%
APY* 3.45%

$100,000+

Term 12 Months
Dividend Rate 3.49%
APY* 3.55%

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 3.06%
APY* 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 07/14/2024. 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.

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IRA Savings

$0.01 - $9,999.99

Dividend Rate 0.05%
APY 0.05%

$10,000.00-$99,999.99

Dividend Rate 0.10%
APY 0.10%

$100,000.00+

Dividend Rate 0.20%
APY 0.20%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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).

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Coverdell Education Savings

$500.00+

Term 13 Months
Dividend Rate 4.60%
APY* 4.70%
21 Months
4.46%
4.55%
48 Months
3.93%
4.00%

$25.00-$99,999.99

Term 12 Months
Dividend Rate 3.40%
APY* 3.45%

$100,000+

Term 12 Months
Dividend Rate 3.49%
APY* 3.55%

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 2.96%
APY* 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 3-5 Months
Dividend Rate 3.06%
APY* 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 07/14/2024. 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.

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13-Month Term Savings Certificate

$500.00+

Term 13 Months
Dividend Rate 4.60%
APY* 4.70%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 13-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 13-Month Term Savings Certificate.

13-Month IRA Certificate

$500.00+

Term 13 Months
Dividend Rate 4.60%
APY* 4.70%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 13-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 13-Month IRA Certificate.

20-Month Bump-Up Share Certificate

$500.00+

Term 20 Months
Dividend Rate 3.98%
APY* 4.05%.

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 20-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 20-Month Term Savings Certificate.

20-Month Bump-Up IRA Certificate

$500.00+

Term 20 Months
Dividend Rate 3.98%
APY* 4.05%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 20-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 20-Month IRA Certificate.

21-Month Term Savings Certificate

$500.00+

Term 21 Months
Dividend Rate 4.46%
APY* 4.55%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 21-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 21-Month Term Savings Certificate.

21-Month IRA Certificate

$500.00+

Term 21 Months
Dividend Rate 4.46%
APY* 4.55%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 21-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 21-Month IRA Certificate.

48-Month Terms Savings Certificate

$500.00+

Term 48 Months
Dividend Rate 3.93%
APY* 4.00%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 48-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 48-Month Term Savings Certificate.

48-Month IRA Certificate

$500.00+

Term 48 Months
Dividend Rate 3.93%
APY* 4.00%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 07/14/2024. 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 48-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 48-Month IRA Certificate.

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