All Rates

5-Month Term Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 5-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 5 - Month Term Savings Certificate.

5-Month IRA Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 5-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 5 - Month IRA Certificate.

5-Month Coverdell Education Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 5-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 5 - Month Coverdell Education Certificate.

6-Month New Money Term Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. The dividend rate and APY may change at any time. The minimum deposit required to open this account is $500.00. The minimum opening deposit for this 6-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. This special 4-month term savings certificate can only be opened in-branch or by phone and 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.

Learn more about opening a 6-Month Term Savings Certificate.

6-Month New Money IRA Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 6-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. This special 4-month term savings certificate can only be opened in-branch or by phone and 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.

Learn more about opening a 6-Month IRA Certificate.

7-Month Term Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 7-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 7 - Month Term Savings Certificate.

7-Month IRA Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 7-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 7 - Month IRA Certificate.

7-Month Coverdell Education Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 7-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 7 - Month Coverdell Education Certificate.

15-Month Jumbo Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 15-month certificate is $50,000. 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. The special 15-month Jumbo Certificate can only be opened in-branch or by phone.

Learn more about opening a 15-Month Term Savings Certificate.

9-Month Term Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 9-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 9-Month Term Savings Certificate.

9-Month Coverdell Education Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 9-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 9-Month Coverdell Education Certificate.

20-Month IRA Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 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.

20-Month Coverdell Education Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 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 Coverdell Education Certificate.

35-Month Term Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 35-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 35-Month Term Savings Certificate.

35-Month IRA Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 35-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 35-Month IRA Certificate.

35-Month Coverdell Education Savings Certificate

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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 35-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 35-Month Coverdell Education Certificate.

Premium Checking^SM

MarketRate Checking^SM

*Dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. 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.

Youth Savings Account

*The dividend rate and Annual Percentage Yield (APY) accurate as of 10/03/2026. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. 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). Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $1.

IRA Certificate

*The dividend rate and Annual Percentage (APY) accurate as of 10/03/2026. 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.

Rates for Legacy Renewal Certificates.