Already a Golden 1 member? For faster funding and more options, log in to Online Banking and select “Open Account.” Looking to open a separate membership or additional checking account? Click “Apply Today”. A term savings certificate is a fixed-term deposit account that offers a guaranteed interest rate over a specified period of time, usually between 3.00% and 4.65% over 3 to 60 months, that provides predictable, risk-free returns on your savings. Yes. Golden 1 requires a minimum opening dep...