Credit union · NCUA insured
Golden 1 Credit Union CD Rates
Top CarrotGolden 1 Credit Union’s best CD rate is 4.30% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Golden 1 Credit Union’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where Golden 1 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $321
9-Month New Money Term Savings Certificate
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $821
Golden 1 Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Golden 1 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
9-Month New Money Term Savings Certificate
4.30%APY · 1 term
This special 9-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. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsCan only be opened in-branch or by phone and funded with new money | 4.30% | $321 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
11-Month Jumbo Certificate
4.25%APY · 1 term
The special 11-month Jumbo Certificate can only be opened in-branch or by phone. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsThe special 11-month Jumbo Certificate can only be opened in-branch or by phone | 4.25% | — |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
13-Month Jumbo Certificate
Up to 4.20%APY · 1 term
Can only be opened in-branch or by phone. Certificates are not extended to organization accounts. Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 13 months | 4.10% | 4.20% | —4.10% $50k–$100k4.20% from $100k | — |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
Term Savings Certificate
Up to 4.20%APY · 10 terms
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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 4 monthsLimited-Time Special | 4.10% | $135 |
| 6 months | 3.05% | $151 |
| 12 months | 3.20% | $320 |
| 17 monthsLimited-Time Special | 4.20% | $600 |
| 18 months | 3.20% | $484 |
| 24 months | 3.25% | $661 |
| 36 months | 3.35% | $1,039 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.55% | $1,906 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
10-Month New Money Term Savings Certificate
4.15%APY · 1 term
Can only be opened in-branch or by phone and funded with new money (funds not on deposit at Golden 1 in the 30 days prior to account opening). Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsMust be funded with new money | 4.15% | $345 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
19-Month Term Savings Certificate
4.15%APY · 1 term
Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 months | 4.15% | $665 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
5-Month Term Savings Certificate
4.00%APY · 1 term
Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 4.00% | $165 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
Special-purpose accounts
9-Month New Money IRA Certificate
4.30%APY · 1 term
This special 9-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. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsCan only be opened in-branch or by phone and funded with new money | 4.30% | $321 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
17-Month Coverdell Education Savings Certificate
4.20%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 months | 4.20% | $600 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
17-Month IRA Certificate
4.20%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 months | 4.20% | $600 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
17-Month Term Savings Certificate
4.20%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 months | 4.20% | $600 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
Coverdell Education Savings Certificate
Up to 4.20%APY · 10 terms
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.
| Term | APY · $25 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 3.00% | 3.00% | $74 |
| 4 monthsLimited-Time Special | — | 4.10% | 4.10% | $135 |
| 6 months | — | 3.05% | 3.05% | $151 |
| 12 monthsAdd Funds Coverdell Certificate | 3.20% | — | 3.20% | $320 |
| 17 monthsLimited-Time Special | — | 4.20% | 4.20% | $600 |
| 18 months | — | 3.20% | 3.20% | $484 |
| 24 months | — | 3.25% | 3.25% | $661 |
| 36 months | — | 3.35% | 3.35% | $1,039 |
| 48 months | — | 3.40% | 3.40% | $1,431 |
| 60 months | — | 3.55% | 3.55% | $1,906 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
10-Month New Money IRA Certificate
4.15%APY · 1 term
Can only be opened in-branch or by phone and funded with new money (funds not on deposit at Golden 1 in the 30 days prior to account opening). Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsMust be funded with new money | 4.15% | $345 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
19-Month Coverdell Education Savings Certificate
4.15%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 months | 4.15% | $665 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
19-Month IRA Certificate
4.15%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 months | 4.15% | $665 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
IRA Certificate
Up to 4.15%APY · 10 terms
Dividends must remain in the account until maturity. Early withdrawal penalties and fee/transfer reductions may apply. No minimum balance required to earn stated APY. Minimum opening deposit is $500, except for specific terms (e.g. Add Funds 12-month / 7-month at $25).
| Term | APY · $25 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 3.00% | 3.00% | $74 |
| 5 monthsLimited-Time Special | — | 4.00% | 4.00% | $165 |
| 6 months | — | 3.05% | 3.05% | $151 |
| 12 monthsAdd Funds IRA Certificate | 3.20% | — | 3.20% | $320 |
| 18 months | — | 3.20% | 3.20% | $484 |
| 19 monthsLimited-Time Special | — | 4.15% | 4.15% | $665 |
| 24 months | — | 3.25% | 3.25% | $661 |
| 36 months | — | 3.35% | 3.35% | $1,039 |
| 48 months | — | 3.40% | 3.40% | $1,431 |
| 60 months | — | 3.55% | 3.55% | $1,906 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
4-Month Coverdell Education Savings Certificate
4.10%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 4.10% | $135 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
4-Month IRA Certificate
4.10%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 4.10% | $135 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
4-Month Term Savings Certificate
4.10%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. There is no minimum balance required to earn the stated APY. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 4.10% | $135 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
5-Month Coverdell Education Savings Certificate
4.00%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 4.00% | $165 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
5-Month IRA Certificate
4.00%APY · 1 term
Traditional and Roth IRA accounts are insured separately from other accounts. Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 4.00% | $165 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Sep 25, 2026
Who can join Golden 1 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All Californians can join Golden 1 Credit Union.
Cost to join
- Opening a Regular Savings account establishes membership at Golden 1.
Membership information collected October 5, 2026.