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Checking
- Free Checking
  Easily manage your daily finances without any maintenance fees.
- Easy Checking
  A perfect choice for those new to banking – there’s no minimum deposit to open.
- MarketRate Checking
  Earn more from your money with a high-yield checking account.
- Premium Checking
  Leverage your account balances with dividend-earnings.
- Student Checking
  Get a financial head-start with accounts for students and teens.
- Sole Proprietor Checking
  Convenient and secure checking to manage your business finances.
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Introducing MarketRate Checking!

If you regularly keep a higher balance in your checking account, it’s a smart way to earn maximum returns on your money.
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Routing Number 321175261
Savings
- Savings Accounts
  Interest-bearing accounts help you maximize your savings.
- Youth Savings
  Students and teens have options accessing their funds.
- Sole Proprietor Savings
  A safe way to save and grow your business funds.
- Growth Savings Account
  Designed to reward new savers with bigger rates for smaller balances.
- Santa Saver
  Save for your expenses all year long!
- Money Market
  You save the smart way when you open up a Money Market Savings Account.
- Term Savings Certificates
  Get a guaranteed rate of return on your investments.
- FlexSavings
  Earn high monthly dividends when you save for a wedding, vacation or any other special event.
- IRAs
  Take advantage of tax benefits to help get you ready for retirement.
4 Rates. One Perfect Match!

Select from four great choices of term and rate. Limited-time IRA Certificate and Term Savings Certificate special. Click for details and restrictions.
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Is a Term Certificate Account Right for You?

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6 Simple Tips to Save Money on Gas
Home Loans
- Buy a Home
  Start your home search with confidence. Get preapproved today!
- Refinance My Mortgage
  Get a better interest rate, shorten your term, or lower your monthly payments.
- Home Equity Line of Credit
  Tap into your home's value and flex your options with a fixed-rate conversion.
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Save Big When Buying Your First Home.

Our On My Way Homeownership Program can help you secure thousands of dollars towards your down payment and closing costs.
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Credit Cards
- Member Cash Rewards+ Card
  Earn up to 4% cash back on everyday purchases.
- Member Rate Advantage Card
  Pay down debt faster and consolidate your card balances.
- Member First Card
  Jumpstart or improve your credit score with confidence.
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Rewards with Automatic Redemption

Get cash back on your everyday purchases! With Member Cash Rewards+, earn 4% back on gas, 3% on restaurants, food delivery, and groceries; then 1% on everything else.
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Loans
- Personal Loans
  Access the funds you need for all of life's big events.
- New or Used Auto Loans
  Purchase or refinance a vehicle and get on the road faster with low rates.
- Recreational or Specialty Vehicle Loans
  Fund your adventures on land, sea, and snow.
College Ave Student Loans

Golden 1 Credit Union has partnered with College Ave to help you achieve your higher education goals.
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SpringFour Resources
Investing
- Make an Investment Plan
  Get the help you need to prepare for life’s changes.
- Self-Guided Investing
  Self-manage your investments with guided wealth portfolios.
- Find an Investment Advisor
  Set up a free, no obligation consultation today.
- Insurance & Protection Options
  Protect you and your loved ones with affordable life, auto and homeowner's insurance.
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Silvur - Retirement Simplified
Community
- Community Commitment
  Discover how we are investing in California's communities.
- Golden 1 Center Partnership
  Get the VIP treatment with perks at Sacramento Kings games all season-long.
- Golden 1 Center Community Suite
  Find out how your 501(c) mission driven organization can experience a Sacramento Kings game or other events.
- Nonprofit Grants
  See how we support California nonprofits with nearly $600K in contributions each year.
- Scholarships
  Nearly 500 college scholarships have been awarded throughout California to deserving students.
- Sponsorships
  Explore the organizations we sponsor that are making a positive impact in the community.
- Our Impact
  Explore how we are partnering with organizations that help improve the quality of life in California.
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SpringFour offers local, trusted, nonprofit and government resources that may help you save money and reach your financial goals.
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We're here to assist our members, employees, and communities affected by the California wildfires. Learn about our Community Emergency Relief Program.

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Personal Banking Routing #321175261
Business Services Routing #121182852

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