Best CD rates and certificates

Requirements

Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.

Requirements

Product: 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.

Offer: Can only be opened in-branch or by phone and funded with new money.

Requirements

Product: Minimum balance is $250.00. Subject to early withdrawal penalties.

Offer: Promotional offer available for New Money only (funds originating outside Patelco deposited within 10 calendar days prior to opening). Dividends paid monthly.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: 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.

Offer: Limited-Time Special.

Requirements

Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.

Requirements

Product: 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.

Offer: Must be funded with new money.

Requirements

Product: 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.

Requirements

Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.

Requirements

Product: 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.

Requirements

Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.

Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.

Requirements

Product: Dividends compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. Penalty may be charged for early withdrawal. Allows penalty-free withdrawal of interest at any time. Add-ons limited to $10,000 through duration of certificate if certificate has add-on feature.

Offer: One-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate.

Requirements

Product: Limited time special rates effective start August 6, 2026 until further notice. A minimum opening deposit and minimum balance are required to earn the stated APY. Early withdrawal penalties may apply. Fees may reduce earnings. Offers may not be combined.

Offer: Limited time CD special rate for balances of $10,000 to $99,999. Early withdrawal penalties may apply.

Requirements

Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Early withdrawal penalties apply.