Credit union · NCUA insured
Golden Valley Federal Credit Union Savings Rates
Golden Valley Federal Credit Union’s best savings rate is 0.02% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How Golden Valley Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Stockton, CA, where Golden Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Golden Valley Federal Credit Union
0.02%APY
- Requires
- None
- Minimum
- $20
- Earns on $10,000 a year
- $2
Regular Shares
Top rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
2nd-highest rate
Citi
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
Golden Valley Federal Credit Union savings score
60
Savings score
Higher than 1% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.02%
- $100,000 balance$100,0000.02%
- QualifiedQualified0.02%
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 Valley Federal 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.
Regular Shares
0.02%APY
Dividends compounded and paid quarterly on balances above $200.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upVariable rate type. Minimum opening balance $20; minimum to earn dividend $200.$200 and up | 0.02% | $2 | Variable rate type. Minimum opening balance $20; minimum to earn dividend $200. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Shares
0.15%APY
No monthly fees. Contributions may be made in lump sums or regular deposits throughout the year. Traditional and Roth IRA options available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upVariable rate type. Minimum opening balance $10; minimum to earn dividend $200. No monthly fees.$200 and up | 0.15% | $15 | Variable rate type. Minimum opening balance $10; minimum to earn dividend $200. No monthly fees. |
Sources (2)
All captured Sep 16, 2026
Christmas Club
0.02%APY
Also referenced as Christmas Club or Other Special Purpose Savings with minimum balance $10.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upVariable rate type. Minimum opening balance $10; minimum to earn dividend $200.$200 and up | 0.02% | $2 | Variable rate type. Minimum opening balance $10; minimum to earn dividend $200. |
Sources (2)
All captured Sep 16, 2026
Who can join Golden Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in San Joaquin County are eligible for membership.
Family and household
- Immediate family members of a current Golden Valley Federal Credit Union member are eligible to join regardless of where they live.
Membership information collected October 5, 2026.