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Review: Golden 1 Credit Union CD Rates

Golden 1 Credit Union logoGolden 1 Credit Union’s more than 630,000 members should go long if they want the best CD rates at California’s second-largest credit union.

At 1.05% APY, its 60-month CD beats the term’s current average annual yield of 0.78% APY by more than a quarter of a percentage point.

A minimum deposit of $1,000 is required for that rate, which rises to 1.10% APY with a deposit of $50,000 or more.

Of course, the 60-month leader on our CD Rates Leaderboard pays a significantly higher 1.80% APY.

If you already have a relationship with Golden 1, you might think it’s simply easier to buy a CD there rather than seek a higher-paying alternative.

There’s no shame in that, especially when rates are this low.

Over 5 years, you’d earn just $39 more on a $1,000 deposit if you bought the best nationally available CD and passed on Golden 1’s offer, according to our CD calculator.

Headquartered in Sacramento, Golden 1 Credit Union is the seventh-largest credit union in the United States.

The credit union’s other CD rates that are at or above average with a $1,000 minimum deposit:

3-month CD rate is 0.10% APY, which matches the average rate. (Leaderboard leader is 0.46% APY.)

6-month CD rate is 0.15% APY, which matches the average rate. (Leaderboard leader is 0.88% APY.)

36-month CD rate is 0.50% APY versus an average rate of 0.47% APY. (Leaderboard leader is 1.50% APY.)

You must be a member of Golden 1 Credit Union to buy its certificates of deposit.

Anyone can join this credit union by first becoming a member of the Financial Fitness Association, which helps people manage finances through online resources, for $5. You can join FFA and Golden 1 Credit Union online at the same time.

You can avoid this fee and join Golden 1 directly if you are a family member of current members, live or work in 34 of California’s 58 counties, or if you are an employee of the credit union’s thousands of select employee groups. Lists of eligible counties and SEGs are on the website.

Membership in Golden 1 Credit Union 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 Golden 1 Credit Union’s 83 branches.

Learn more about 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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