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 03/30/2023. 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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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 03/30/2023. 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 03/30/2023. 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 03/30/2023. 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 03/30/2023. 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 03/30/2023. 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 03/30/2023. 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 5.89% 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.

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Used Auto

As low as 6.04% 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.

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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 vehicle loan.

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New RV

As low as 6.49% 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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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 6.99% 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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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 12.54% APR*

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

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Personal Loan

As low as 7.74% 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. 7.74% 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.

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Member Cash Rewards+

16.54% - 22.54% APR*

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

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Member Rate Advantage

12.54% - 18.54% APR*

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

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Member First

14.54% APR*

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

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Term Savings Certificate

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
12-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
12-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$25,000.00-$49,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
12-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
12-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$100,000.00+

Term 3-5 Months
Dividend Rate 1.19%
APY* 1.20%
6-11 Months
1.83%
1.85%
12-17 Months
2.13%
2.15%
18-23 Months
2.13%
2.15%
24-35 Months
2.47%
2.50%
36-47 Months
2.86%
2.90%
48-59 Months
2.96%
3.00%
60 Months
3.15%
3.20%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 03/30/2023. 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

$25.00-$99,999.99

Term 12 Months
Dividend Rate 2.03%
APY* 2.05%

$100,000+

Term 12 Months
Dividend Rate 2.13%
APY* 2.15%

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$25,000.00-$49,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18 -23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$100,000.00+

Term 3-5 Months
Dividend Rate 1.19%
APY* 1.20%
6-11 Months
1.83%
1.85%
13-17 Months
2.13%
2.15%
18-23 Months
2.13%
2.15%
24-35 Months
2.47%
2.50%
36-47 Months
2.86%
2.90%
48-59 Months
2.96%
3.00%
60 Months
3.15%
3.20%

*The dividend rate and Annual Percentage (APY) accurate as of 03/30/2023. 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 03/30/2023. 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

$25.00-$99,999.99

Term 12 Months
Dividend Rate 2.03%
APY* 2.05%

$100,000+

Term 12 Months
Dividend Rate 2.13%
APY* 2.15%

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$25,000.00-$49,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 1.00%
APY* 1.00%
6-11 Months
1.74%
1.75%
13-17 Months
2.03%
2.05%
18-23 Months
2.03%
2.05%
24-35 Months
2.37%
2.40%
36-47 Months
2.76%
2.80%
48-59 Months
2.86%
2.90%
60 Months
3.06%
3.10%

$100,000.00+

Term 3-5 Months
Dividend Rate 1.19%
APY* 1.20%
6-11 Months
1.83%
1.85%
13-17 Months
2.13%
2.15%
18-23 Months
2.13%
2.15%
24-35 Months
2.47%
2.50%
36-47 Months
2.86%
2.90%
48-59 Months
2.96%
3.00%
60 Months
3.15%
3.20%

*The dividend rate and Annual Percentage (APY) accurate as of 03/30/2023. 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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Find rates for discontinued credit cards here.