Credit union · NCUA insured
Golden 1 Credit Union Savings Rates
Top CarrotGolden 1 Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Golden 1 Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $100
Money Market Savings Account
Top rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Golden 1 Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Growth Savings Account
0.10%APY
Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000 | 4.00% | — | |
| $1,000 – $2,000APY range stated as 3.50%-4.00% (blended). | 3.00% | — | APY range stated as 3.50%-4.00% (blended). |
| $2,000 – $5,000APY range stated as 2.15%-3.50% (blended). | 1.25% | — | APY range stated as 2.15%-3.50% (blended). |
| Over $5,000APY range stated as 0.10%-2.15% (blended). | 0.10% | $10 | APY range stated as 0.10%-2.15% (blended). |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
Money Market Savings Account
1.00%APY
All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers; end-of-day balance determines the tier. There is no minimum balance requirement to obtain the APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $50,000 | 1.00% | $100 |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $500,000 | 2.50% | — |
| $500,000 and up | 3.50% | — |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 6, 2026
Additional Savings Account
0.20%APY
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).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.20% | — |
| $10,000 – $100,000 | 0.20% | $20 |
| $100,000 and up | 0.20% | — |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
Regular Savings Account
0.20%APY
Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.20% | — |
| $10,000 – $100,000 | 0.20% | $20 |
| $100,000 and up | 0.20% | — |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
Special-purpose accounts
Youth Savings Account
0.10%APY
Dividend rates are variable and subject to change after the account is opened. Dividend rates are variable and subject to change monthly after the account is opened. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000 | 4.00% | — | |
| $1,000 – $2,000APY range stated as 3.50%-4.00% (blended). | 3.00% | — | APY range stated as 3.50%-4.00% (blended). |
| $2,000 – $5,000APY range stated as 2.15%-3.50% (blended). | 1.25% | — | APY range stated as 2.15%-3.50% (blended). |
| Over $5,000APY range stated as 0.10%-2.15% (blended). | 0.10% | $10 | APY range stated as 0.10%-2.15% (blended). |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
IRA Savings
3.50%APY
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).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 3.50% | $350 |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 2026
Santa Saver SM Savings Account
0.20%APY
Dividends compounded monthly. Dividend rates are variable and subject to change monthly after opening. 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.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum opening deposit is $20, or $5 if payroll deduction or automatic transfer is set up.Over $0 | 0.20% | $20 | Minimum opening deposit is $20, or $5 if payroll deduction or automatic transfer is set up. |
Sources (1)
- golden1.com/manage-accounts/all-rates · captured Oct 16, 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.