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8945 Cal Center Dr
Sacramento, CA 95826-3239

The Golden 1 Credit Union is headquartered in Sacramento and is the 2nd largest credit union in the state of California. It is also the 6th largest credit union in the nation. It was established in 1933 and as of March of 2014, it had grown to 1,088 employees and 667,674 members. The Golden 1 Credit Union has a A+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in one of many counties in California. Employees of many companies can also qualify. Please refer to their Membership Page for the full details. - See Details

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Golden 1 Is The WORST BANK!

GOLDEN 1 IS THE WORST BANK!! Since joining I have had nothing but problems! I took an auto loan out almost a year ago. Anytime I got information from one representative, another would tell me something complete opposite. It seems impossible to get anything accomplished when calling in to speak with anyone. 

Recently I moved back home to Hawaii. When I called in to make my first payment after moving back, Golden 1 charged me twice for my car loan, causing me to overdraft! After calling in and speaking with a representative and getting nowhere, I spoke with a manager. After a while of trying to get anywhere, David Greigner told me he would call me back after he looked into it more and "the dust settles" concerning the account activity. A week later, two days after David said he would call me back, I had to call in. I left a couple messages on his voicemail, then finally spoke with another manager. She tried to say it was my fault I was charged twice, "It appears you called in for a payment and so did your wife." My wife doesn't have access to my account because she isn't on the loan--that was my first issue! After finally getting my refund I should have received a week earlier, I thought the nightmare was over. I figured I would forgive and forget and try not to create anymore rifts. 

A month later, I called in to make my next payment, Sept 17th. I was calling in about a week before the payment was due like usual, Sept 21st. The collection representative told me there was no payment due this month and that its not due till Oct 21st. I thought that was strange, thinking maybe my account hasn't updated since the last hassle. I decided I would call back on the 21st, the due date. When I called in a second time, another representative told me the same thing, "there is no payment due this month, not until October 21st. If you make a payment today, it will go towards your principal." I was surprised and asked the rep to fax or email me a confirmation just to keep as reference if for some reason I was informed incorrectly. The rep refused. Since my wife and I are having our first child, we took the extra, much needed money and bought baby supplies. I figured maybe due to all the mix up, they deferred that months payment for some reason or another...

Two weeks later, we get a late payment notice from Golden1!! I called immediately! Once again I had to speak with multiple reps who both told me different things, trying to blame the confusion on me. Finally I spoke with a manager, Peter. He actually pulled up the notes and read to me what happened. He acknowledged both times I called in to make a payment and was told it wasn't due till Oct 21st. His excuse was that the account was updated on Sept 27th, a week after the due date, and therefore it was my fault I was late!! WHAT??!! I CALLED IN TWICE--A WEEK EARLY AND ON THE ACTUAL DUE DATE!! THEN 1 WEEK LATER ITS UPDATED AND I AM SUPPOSE TO BE AWARE OF THIS?? I tried to reason with Peter, telling him I want to fix this issue. He tells me to pay the bill that is now two weeks late! I was getting ready to pay the Oct 21st payment, now I have to cough up two payments in the same week?? I asked him if there was any way we can defer one payment since I was misinformed twice. He tells me he will look into the issue and call me back...well what do you think happened??? The day he said he would call me, he didn't. I called in and left a couple messages on his voicemail; after not being successful, I was able to get ahold of another manager--DAVID GREIGNER!!! I tried to reason with David and of course, once again I was at square one--he tells me its my fault and there is nothing he can do! I asked him what he suggests at this point? David tells me, "just pay late every time!!" GREAT ADVICE DAVID GREIGNER!! THANK YOU GOLDEN 1 FOR EVERYTHING!!!

Hiring Wells Fargo Brass

Golden 1 used to be a great place to bank. But things have changed dramatically over the last 3 years. Golden 1 has been hiring former Wells Fargo management staff. Wells Fargo is one of the worst banks in the market and a formerly great Credit Union decided they wanted to be more like Welss Fargo. Trying to find a new Credit Union. A great place going down the tubes.

Golden One

Golden one isn't just a bank, it's my bank. Golden One has always be quick and efficient when working with them. The staff was helpful. I haven't noticed any hidden or recurring fees associated with my checking and savings account. And if for someone reason I couldn't sleep, well, I can use their online website (which has always been available) to check my balance and transactions. You'll get wonderful support from the group at Golden One. Feel free to talk about Golden One.

The Best!!!!

I have been a member for two years now. And they are the best. I switched from Wells Fargo to Golden 1 Credit union. They have no hidden fees, and my check and savings account are free. I have always had great customer service. Everyone is always very helpful and smiling, which makes it a nice experience when I go to the bank.

I have had an auto loan which was easy to get even with the bad credit that I had. They gave me a chance and believed in me. The loan has since been paid, and it boosted my credit score.

Golden 1 is conveniently located close to me that it is in walking distance.

Bill pay is wonderful, makes my life easier just clicking to pay, very hassle free.

Forever a Gold 1 Credit Union Fan. Keep up the great work!!!!



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Golden 1 Credit Union had $29.56 million in non-current loans and owned real-estate with $1.08 billion in equity and loan loss allowances on hand to cover it. This gives The Golden 1 Credit Union a Texas Ratio of 2.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Golden 1 Credit Union decreased slightly from 3.79% as of March 31, 2013 to 2.73% as of March 31, 2014, resulting in a positive change of 27.96%.This indicates that the balance sheet and financial strength for The Golden 1 Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, The Golden 1 Credit Union has increased its total deposits by $215.17 million, resulting in 3.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Golden 1 Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Golden 1 Credit Union has $8.48 billion in assets with $1.08 billion in equity, resulting in a capitalization level of 12.77%, which is excellent.

Institution Statistics

NCUA #61650
Year Chartered1933
Primary Regulator
Assets and Liabilities
Assets$8.48 billion
Loans$3.97 billion
Deposits$7.37 billion
Equity Capital$1.03 billion
Loan Loss Allowance$53.89 million
Unbacked Noncurrent Loans$28.34 million
Real Estate Owned$1.23 million
Historic Data - March 2013
Assets$8.22 billion
Equity Capital$957.89 million
Loan Loss Allowance$74.37 million
Unbacked Noncurrent Loans$28.34 million
Real Estate Owned$406,000
Profit Margin - Quarterly
Net Interest Margin1.06%
Return on Assets1.26%
Return on Equity10.39%
Interest Income$58.65 million

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The Golden 1 Credit Union Savings Account Rates

0.10%$50k-IRA Savings
0.10%$50k-Regular Savings
0.10%--Santa Saver
0.10%--Youth Savings

The Golden 1 Credit Union Money Market Rates

0.20%$100k-Money Market Savings

The Golden 1 Credit Union Checking Account Rates

0.20%$100k-MarketRate Checking
0.05%$1k-Premium Checking

The Golden 1 Credit Union CD Rates

1.10%$50k-60 Month CD
0.90%$50k-48 Month CD
0.55%$50k-36 Month CD
0.40%$50k-24 Month CD
0.30%$1k-18 Month CD
0.25%$1k-12 Month CD
0.20%$1k-6 Month CD
0.10%$1k-3 Month CD

The Golden 1 Credit Union IRA Rates

1.10%$50k-60 Month IRA
0.90%$50k-48 Month IRA
0.55%$50k-36 Month IRA
0.40%$50k-24 Month IRA
0.30%$500-18 Month IRA
0.25%$25-12 Month IRA
0.20%$500-6 Month IRA
0.10%$500-3 Month IRA

The Golden 1 Credit Union has 84 locations. Click to view all The Golden 1 Credit Union locations.