Golden Bank CD Rates for 2025: What You Need To Know
Written by
Levi Leidy
Edited by
Elizabeth Constantineau
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Golden Bank doesn’t publicly disclose rates for standard CDs. For detailed information on rates, terms and requirements for opening an account, contact a customer service representative at 713-777-3838 or visit your nearest Golden Bank branch.
Golden Bank CD Terms and Requirements
If you’re looking for short- or long-term investment opportunities, Golden Bank’s CDs may be a competitive option. Before opening a CD with Golden Bank, consider the following:
| CD Information | Notes |
|---|---|
| Minimum opening balance | $1,500 |
| Interest rate | Varies based on term length and is fixed for the whole term |
| Terms offered | 14 days or more |
| Features | -Can be set to automatic renewal at maturity or a fixed maturity -Early withdrawal will incur significant penalties |
Pros and Cons of Golden Bank CD Rates
Just like any other banking or investment option, there are some pros and cons to consider. Here’s a breakdown:
Pros
- Competitive rates: Attractive APYs, according to the bank’s website
- Flexible terms: Various term lengths to suit different investment horizons
- FDIC-insured: Deposits insured up to $250,000, for added protection
Cons
- Minimum deposit requirement: $1,500 minimum may be higher than some competitors
- Early withdrawal penalties: Fees apply for accessing funds before maturity
How To Open a CD With Golden Bank
Opening a CD account with Golden Bank is straightforward:
- Gather documentation: Have your identification and banking information ready.
- Visit a branch: You can open an account by visiting a local branch.
- Fund your account: Deposit the minimum required amount for your chosen CD term.
How Do Golden Bank CD Rates Compare With Other Banks?
Here is a comparison of Golden Bank CD rates with other lenders:Â
| Bank | 1-Year CD Rate | 5-Year CD Rate | Minimum Deposit |
|---|---|---|---|
| Golden Bank | Call customer service | Call customer service | $1,500 |
| Sallie Mae | $2,500 | ||
| First Horizon | $1,000 | ||
| Popular Direct | $10,000 | ||
| Ally Bank | $0Â | ||
| Capital One* | $0 |
Is a Golden Bank CD Right for You?
Not all savers will benefit from a Golden Bank CD — here’s what to keep in mind.
Ideal For
- Residents in Texas and California
- Individuals with moderate minimum deposit funds
- Those comfortable with online banking
Not Great For
- Individuals preferring in-person banking
- People who want to access CD rates onlineÂ
- Those requiring access to immediate fundsÂ
Tips for Getting the Best CD Rate
Looking for the best CD rates? Here are some tips that may help:Â
- Consider relationship banking perks. A long-term relationship or multiple accounts may help you secure a higher CD rate.Â
- Compare multiple terms. Before deciding on a particular lender and CD, research different banks with CDs and a variety of terms.Â
- Look for promotional or limited-time offers. Check for special rates or promotional offers on CDs. You can look up this information online or ask in person.Â
- Use a CD laddering strategy if liquidity matters. Use CD laddering as a strategy so that you can have cash on hand when you need it.Â
FAQ: Golden Bank CD Rates
Here are the answers to some of the most frequently asked questions about Golden Bank CD rates and features.- What is the minimum deposit for a Golden Bank CD?
- Golden Bank requires a $1,500 minimum deposit for a CD.
- Do I need a Golden Bank account to open a CD?
- You do not need an existing Golden Bank account to open a CD.
- Can I open a CD online?
- You can access your CD online, but your initial CD setup may require an in-person visit.
- What happens if I withdraw before the term ends?
- If you withdraw funds from your CD before the term ends, expect to pay a penalty. The penalty amount depends on when in the term you decide to withdraw funds.
- Are Golden Bank CD rates competitive in 2025?
- You will have to contact Golden Bank directly to find out if rates are competitive.
Rudri Patel contributed to the reporting for this article.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
*Capital One interest rates accurate as of Sept. 17, 2025. See website for all current rates.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Sept. 17, 2025.
