bank rates

CD Rates At Golden 1 CU Not So Golden

Its best CD rate pays just above average.The Golden 1 Credit Union is another big credit union — the sixth largest in the United States and the second largest in California — with big bank-like CD rates.

While some are above-average, not one comes close to the leaders on our CD Rates Leaderboard.

The best is the 60-month CD rate, which is 1.35% APY with a $1,000 minimum deposit.

That’s a fifth of a percentage point higher than the average annual yield offered by large banks and thrifts for that term, which is 1.15%.

But it’s far less than the 1.95% APY that our Leaderboard leader for the 60-month term, KeySource Commercial Bank, pays.

The Golden 1 Credit Union’s other standard CD rates with a $1,000 minimum deposit:

  • 0.25% APY for 3-month CD rates versus an average rate of 0.16% APY. (Leaderboard leader is 0.65% APY.)
  • 0.30% APY for 6-month CD rates versus an average rate of 0.22% APY. (Leaderboard leader is 0.85% APY.)
  • 0.36% APY for 12-month CD rates versus an average rate of 0.34% APY. (Leaderboard leader is 1.15% APY.)
  • 0.45% APY for 24-month CD rates versus an average rate of 0.53% APY. (Leaderboard leader is 1.26% APY.)
  • 0.70% APY for 36-month CD rates ties the average rate of 0.70% APY. (Leaderboard leader is 1.55% APY.)

You must be a member of The Golden 1 Credit Union, which is headquartered in Sacramento, Calif., and has more than 600,000 members, to purchase certificates of deposit.

Anyone who lives or works in 34 of California’s 58 counties can join, as can California state employees, members of CalPERS and CalSTRS, and employees of thousands of California businesses and organizations.

It’s all detailed under the membership tab on the website. Membership requires a $1 membership fee and a $1 deposit in a savings account.

Members can buy CDs online, over the phone or at one of The Golden 1 Credit Union’s 83 branches.

Learn more about The Golden 1 Credit Union at or call 877-465-3361.

Compare these returns with the best CD rates from scores of banks in our extensive database.

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Comments (2)
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2 Existing Comments
  1. Kathy at Bankaholic said:
    on April 2nd at 07:51 am

    All of these rates are still available except for the 36-month CD, which has dropped to 0.65% APY.

  2. Kathy at Bankaholic said:
    on April 17th at 08:57 am

    You can still get these rates (with the previously noted exception for the 36-month rate, which is 0.65% now).