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  2. Golden 1 Credit Union

Golden 1 Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%5-year CD60 Month CD
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.35%1-year CD12-17 Month CD
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.15%SavingsRegular Savings
1.00% - Ally Bank Online Savings AccountAdvertisement
View all Golden 1 Credit Union rates »

Overview / Commentary
www.golden1.com
877-465-3361
8945 Cal Center Dr
Sacramento, CA 95826-3239

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 June of 2016, it had grown to 1,336 employees and 791,570 members at 81 locations. Golden 1 Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Golden 1 Credit Union is open to anyone through joining the Financial Fitness Association ($8 membership fee). Membership is also open to those who live or work in Alameda, Los Angeles, Orange, Sacramento, and over 30 other counties in California and to employees of California State University, City of Sacramento and over 100 Select Employer Groups.
See current membership details

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Reviews (20)

Good Rewards Card

Posted by: matthewgast | May 21, 2016

I joined Golden1 for the platinum rewards card, which gives 3% cash back on gas (as long as the purchase is coded at the pump), groceries, and restaurants. I got the card because I travel a lot and was spending lots of money on restaurants and wanted to bump up my cashback. Cash rebates are deposited into your credit union savings account with no hassle - no redemption minimums or other silly rules.

1

The best Credit Union in California

Posted by: LoveBumps | Dec 10, 2015

The Golden1 Credit Union is the best in California. We have 2 savings accounts, 1 checking account, 1 auto loan and 1 credit card account. I can do my banking online via their website or my smartphone. I love using their mobile app to do mobile deposits. I pay all my bills via Bill Pay online, once I linked my accounts. And they even have a service called E-pay where they will send a digital check to a company or residence, like for HVAC repair or the city water bill. They even have a service called POP Money where you can send someone money to their non Golden1 bank account. The rates for loans and credit cards are based on your FICO score, but the rates are better than at a national bank. If we could refinance our house with them, we would. Another service they provide via their website are discounts to local attractions, like San Diego Safari park to Gilroy gardens.

1

Money times

Posted by: Mharper2 | Nov 2, 2015

I would suggest this Union to an older adult. It is a very friendly and fast place of business. It is east for me to get any questions i may have answered. The only drawback to this place is the pint that is is not website and app friendly and it is a selling point with me. If it wasn't for that particular issue then i would suggest this to any and all people.

1

Service Fee Scam

Posted by: martaz | May 21, 2013

Beware the two pronged attack: putting a "hold" on direct deposits of state payroll and then charging "overdraft fees" when the depositor tries to use the funds.  This happened to me and when I asked how it was possible that debits made the day after the deposit were treated as overdratfts, I was told that "the system" does this and no one at the branch could explain why.
Clearly Golden 1 engages in the practice of "churning" accounts in order to charge fees (in my case $165.00) for their "free services".  They claim to be not for profit, but someone somewhere in the Golden 1 banking structure is living pretty well on my "service fees".

12
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Health
A+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees1336
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD7.76%
Annual Interest Income$143.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$10.26B$9.30B
LoansQ2 2016vs Q2 2015$6.41B$5.14B
DepositsQ2 2016vs Q2 2015$8.93B$8.10B
Equity CapitalQ2 2016vs Q2 2015$1.20B$1.10B
Loan Loss AllowanceQ2 2016vs Q2 2015$38.5MM$44.8MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$24.1MM$25.0MM
Real Estate OwnedQ2 2016vs Q2 2015$2.0MM$779.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Golden 1 Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--IRA Savings
0.15%$100-Regular Savings
0.15%--Santa Saver
0.15%--Youth Savings
0.15%--FlexSavings

Golden 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Money Market Savings
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $100k

Golden 1 Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-MarketRate Checking
OTHER TIERS: 0.15% → $1k - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k
0.05%$1k-Premium Checking

Golden 1 Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-60 Month CD
OTHER TIERS: 1.45% → $1k - $100k
1.30%*$100k*-48-59 Month CD
OTHER TIERS: 1.25% → $1k - $100k
0.90%*$100k*-36-47 Month CD
OTHER TIERS: 0.85% → $1k - $100k
0.50%*$100k*-24-35 Month CD
OTHER TIERS: 0.45% → $1k - $100k
0.40%*$100k*-18-23 Month CD
OTHER TIERS: 0.35% → $1k - $100k
0.35%*$100k*-12-17 Month CD
OTHER TIERS: 0.30% → $1k - $100k
0.30%*$100k*-6-11 Month CD
OTHER TIERS: 0.25% → $1k - $100k
0.25%*$100k*-3-5 Month CD
OTHER TIERS: 0.15% → $1k - $25k | 0.20% → $25k - $100k

Golden 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-60 Month IRA
OTHER TIERS: 1.45% → $500 - $100k
1.30%*$100k*-48-59 Month IRA
OTHER TIERS: 1.25% → $500 - $100k
0.90%*$100k*-36-47 Month IRA
OTHER TIERS: 0.85% → $500 - $100k
0.50%*$100k*-24-35 Month IRA
OTHER TIERS: 0.45% → $500 - $100k
0.40%*$100k*-18-23 Month IRA
OTHER TIERS: 0.35% → $500 - $100k
0.35%*$100k*-12 Month IRA
OTHER TIERS: 0.30% → $25 - $100k
0.35%*$100k*-13-17 Month IRA
OTHER TIERS: 0.30% → $500 - $100k
0.30%*$100k*-6-11 Month IRA
OTHER TIERS: 0.25% → $500 - $100k
0.25%*$100k*-3-5 Month IRA
OTHER TIERS: 0.15% → $500 - $25k | 0.20% → $25k - $100k
Locations

Golden 1 Credit Union has 81 locations. Click to view all Golden 1 Credit Union locations.