5.48% 44-Month / 5.43% 8-Month CD at a California CU (the Golden 1)

The Golden 1 Credit Union is offering a special 5.48% APY 44-month and a 5.43% APY 8-month certificate. The minimum deposit is $10,000. A 20-basis-point lower yield is available for a $1,000 minimum deposit. This requires a new or existing checking account with direct deposit. These also available as an IRA certificate.

These are not as good as their CD specials from last month which had higher rates and no checking and direct deposit requirements. But after the Fed rate cut, these current CDs are a good deal.

Field of membership includes those who live or work in one of many counties of California. The FOM also has a long list of eligible employers. See site for details.

Branches are located throughout the state of California including the cities of Sacramento, Bakersfield, Los Angeles, Modesto, Napa, Oakland, San Francisco, Fresno and Jackson.

The Golden 1 Credit Union is federally insured by the NCUA (Charter # 61650). It's one of the largest credit unions in the US with $6.4 billion in assets and 683,029 members.

Tags: California, CD rates, The Golden 1 Credit Union, IRA rates