Life is wondrous.

Start saving for those special moments.

Apply Today My Application >

Maybe you’re expecting an addition to the family. Or planning an epic road trip down Highway 1. Or designing a one-of-a-kind wedding.

Saving money makes it happen.
Select the savings plan that works for your goals! Open a Regular Savings Account for just $1, start a Money Market Savings account with $100 or more to earn a higher Annual Percentage Yield (APY), or put your savings on autopilot with automatic transfers and a custom payout date with a FlexSavings account.

At Golden 1, your dream is our goal! We can help you compare plans and choose the one that's just right for you.

View by Type

Regular Savings Account


Golden 1’s Regular Savings Account requires just a minimum opening deposit of only $1 and establishes you as a member of Golden 1. This account yields dividends that are paid monthly and has no monthly maintenance fee or minimum balance fee.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

*Excessive withdrawal fee will be charged for each lobby withdrawal or transfer in excess of three during a calendar month. See Fee Schedule.

$0.01 - $9,999.99

Dividend Rate 0.05%
APY 0.05%

$10,000.00 & Over

Dividend Rate 0.08%
APY 0.08%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 09/27/2020. 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


Golden 1’s Regular Savings Account requires just a minimum opening deposit of only $1 and establishes you as a member of Golden 1. This account yields dividends that are paid monthly and has no monthly maintenance fee or minimum balance fee.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

*Excessive withdrawal fee will be charged for each lobby withdrawal or transfer in excess of three during a calendar month. See Fee Schedule.

$0.01 - $9,999.99

Dividend Rate 0.05%
APY 0.05%

$10,000.00 & Over

Dividend Rate 0.08%
APY 0.08%

*The dividend rate and Annual Percentage Yield (APY) accurate as of 09/27/2020. 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


You save the smart way when you open up a Money Market Savings Account. This account lets you maximize your earnings based on the tier-rate for your full balance and gives you access to withdraw anytime, without penalties.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

$0.01 - $9,999.99

Dividend Rate 0.10%
APY 0.10%

$10,000.00 - $49,999.99

Dividend Rate 0.20%
APY 0.20%

$50,000.00 - $249,999.99

Dividend Rate 0.40%
APY 0.40%

$250,000.00 & Over

Dividend Rate 0.50%
APY 0.50%

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 09/27/2020. 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 $100. There is no minimum balance requirement to obtain the APY.

Apply Online

FlexSavingsSM Savings Account


Save for special occasions with a FlexSavings Account. Earn high monthly dividends when you save for a wedding, vacation or any other special event. You control the payout date, so it’s easy to keep your goals within reach.

*If any withdrawals are made from this account before the payout date, this account will be closed. The payout date is selected by the member and must be on the first day of any month of any year, not to exceed 20 years. On the payout date, the funds will be transferred to the member’s Regular Savings account.

0.08% 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 09/27/2020. 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.

Apply Online

Youth Savings Account


Teaching your kids about the value of a dollar and the importance of saving is easy with a Golden 1 Youth Savings Account. This account allows members under the age of 18 the ability to make withdrawals and deposits and experience managing their own money, all while earning dividends. A parent or legal guardian must be a joint owner on the account until the minor reaches the age of 18.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

*Excessive withdrawal fee will be charged for each lobby withdrawal or transfer in excess of three during a calendar month. See Fee Schedule

0.08% APY* on Daily Balance of $0.01 & Over

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 09/27/2020. Fees may reduce earnings. Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $1.

Apply Online

Santa SaverSM Savings Account


Saving for the holidays is easy and convenient with a Golden 1 Santa Saver℠ Savings Account. This account lets you save for your holiday expenses all year long, and on November 1st, funds transfer into your designated account, just in time for the holiday shopping season.

*You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.

*If any withdrawal is made from the account before October 31, the account will be closed. Payout of this account on November 1 will be an automatic transfer to your regular savings or checking account as designated by you.

0.08% APY* on Daily Balance of $0.01 & Over

*All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 09/27/2020. 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.

Apply Online

Coverdell Education Savings


A Coverdell Education Savings Account allows you to get tax advantages while you save for qualifying educational expenses like tuition, room and board, and books. If it’s a private elementary school or a university, a Coverdell Education Savings Account can help you plan for your child’s future education.

 

$25.00-$499.99

Term 12 Months
Dividend Rate 0.55%
APY* 0.55%

$500.00-$9,999.99

Term 3-5 Months
Dividend Rate 0.20%
APY* 0.20%
6-11 Months
0.35%
0.35%
12-17 Months
0.55%
0.55%
18-23 Months
0.55%
0.55%
24-35 Months
0.85%
0.85%
36-47 Months
0.95%
0.95%
48-59 Months
1.00%
1.00%
60 Months
1.09%
1.10%

$10,000.00-$24,999.99

Term 3-5 Months
Dividend Rate 0.20%
APY* 0.20%
6-11 Months
0.35%
0.35%
12-17 Months
0.55%
0.55%
18-23 Months
0.55%
0.55%
24-35 Months
0.85%
0.85%
36-47 Months
0.95%
0.95%
48-59 Months
1.00%
1.00%
60 Months
1.09%
1.10%

$25,000.00-$49,999.99

Term 3-5 Months
Dividend Rate 0.25%
APY* 0.25%
6-11 Months
0.35%
0.35%
12-17 Months
0.55%
0.55%
18-23 Months
0.55%
0.55%
24-35 Months
0.85%
0.85%
36-47 Months
0.95%
0.95%
48-59 Months
1.00%
1.00%
60 Months
1.09%
1.10%

$50,000.00-$99,999.99

Term 3-5 Months
Dividend Rate 0.25%
APY* 0.25%
6-11 Months
0.35%
0.35%
12-17 Months
0.55%
0.55%
18-23 Months
0.55%
0.55%
24-35 Months
0.85%
0.85%
36-47 Months
0.95%
0.95%
48-59 Months
1.00%
1.00%
60 Months
1.09%
1.10%

$100,000.00+

Term 3-5 Months
Dividend Rate 0.30%
APY* 0.30%
6-11 Months
0.40%
0.40%
12-17 Months
0.60%
0.60%
18-23 Months
0.60%
0.60%
24-35 Months
0.90%
0.90%
36-47 Months
1.00%
1.00%
48-59 Months
1.04%
1.05%
60 Months
1.19%
1.20%

*The dividend rate and Annual Percentage (APY) accurate as of 09/27/2020. 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

All accounts include…

Earn Dividends

Mobile and Text Banking

Online Banking

Telephone Teller