Golden 1 Credit Union


Overview / Commentary
916-732-2900
8945 Cal Center Dr
Sacramento, CA 95826

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 2020, it had grown to 1,863 employees and 1,069,197 members at 67 locations. Golden 1 Credit Union's money market rates are 14% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Golden 1 Credit Union is open to those who live or regularly work in California. Family or registered partners of current Credit Union members, or those who belong to one of over 900 Select Employer Groups (such 3M Optical Systems, American Lung Association of Sacramento, California School Board Association, and the California State University System) are also eligible to join. A complete list of SEGs is available on the Credit Union's online application.
See current membership details

Related Posts

Golden 1 Credit Union (CA) Adds 14-Month Jumbo CD Special - 2/7/2020

Golden 1 Credit Union (CA) has added a 14-month Jumbo CD Special, which earns 2.25% APY. Minimum opening deposit is $50k of new money. Also as an IRA.

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12/12/16 - Golden 1 Credit Union (Easy Membership) Adds 15-Month CD
11/30/16 - Golden 1 Credit Union Special 27-Month Certificate
11/18/14 - For A Limited Time Only: Golden 1 Credit Union Top Rate 20-month CD
10/15/08 - 5.00% 50-Month CD at The Golden 1 Credit Union in California
9/22/08 - 5.50% 55-Month CD at The Golden 1 Credit Union in California
9/19/08 - 6.00% 59-Month CD at The Golden 1 Credit Union in California
6/9/08 - 5.00% 100-Day CD at a California CU (The Golden 1)
2/26/08 - 4.00% 15-Month / 4.00% 55-Month CD at a California CU - IRA (The Golden 1)
2/2/08 - 5.20% 7-Month CD at a California CU (1st United).
9/26/07 - 5.48% 44-Month / 5.43% 8-Month CD at a California CU (the Golden 1)
8/19/07 - 6.00% 60-Month / 5.50% 9-Month CD at a California CU (The Golden 1).
8/19/07 - 5.80% 12-Month / 5.80% 17-Month CD at a California CU (The Golden 1).
8/19/07 - 5.60% 45-Month / 5.50% 9-Month CD at a California CU (The Golden 1)
7/20/07 - 5.80% 12-Month / 5.80% 17-Month CD at a California CU (The Golden 1)
6/4/07 - $100 Checking Account Bonus at a California CU (U.S. First)
5/21/07 - 5.70% 8-Month CD at a California CU (The Golden 1) - with Worry-Free Feature
8/29/06 - 5.85% 7-Month CD at a California CU (The Golden 1).
8/29/06 - 5.90% 15-Month CD at a California CU (The Golden 1)
8/13/06 - 6.00% 12-Month CD at a California CU (The Golden 1).
7/11/06 - 5.47% 13-Month CD at a California CU (The Golden 1).
6/24/06 - 5.45% 10-Month CD at a California CU (The Golden 1).
2/15/06 - 5.50% 55-Month CD at a California CU

Golden 1 Credit Union

I have been a customer at Golden 1 credit union for a year now. Last year I was tired of the fees and hassles that went along with a traditional bank. The customer service was horrible and I didn't feel valued as a customer. I asked family and friends for recommendations and they all suggested that I go to a credit union and open an account. I plan to purchase a home in a few years, so I thought it was a great idea. I opened a Golden 1 checking account online and had a few issues with depositing money into my new account, so I called customer service. The representative was really helpful and walked me through the process. I was able to open my account with her, but I did have to go into my local branch to get my debit card printed. I was shocked that they were able to print my debit card on the spot and I was able to use it immediately. Traditional banks would have to mail it to you. That was a bonus! The representative that helped me in the branch was very friendly and he explained everything to me. I left feeling really happy about the new account that I had opened. I immediately closed my other bank account and have been very satisfied with my experience at Golden 1 credit union.

Golden State CU experience

I had the credit union as my bank for a few years. When I moved to this town, I was hoping they had a branch here. Well, no walk in branch but a sharing ATM. That was okay and I was able to do the transactions I wanted. The actual interaction with the credit union was by phone. When I got a notice that my account was zero, I questioned that fact. My balance at home in my book was $231. and some cents. I called and talked to a representative and was told there was a debit for the exact amount. They would not return my money for a week even tho I told them that someone used my numbers. I found out the
smoke shop where that transaction took place was just down the street from the main office in Sacramento. I complained until they returned my money. I also told them I felt it was one of their employees at that main branch that took the money. Shortly after that I closed my account with them.

Golden 1 Credit Union

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Golden 1 Credit Union seemed a lot like the big banks, but in a smaller credit union form. For people who are into technology, they support Apple Pay sooner then a lot of other banks. They do not charge for a lot of ATMs. You can withdrawal money from many places without a fee, like from 7-11 stores. The loans have quite a low rate on them. There are no fees for visiting inside the bank to speak with a Teller.

Golden 1 Earns Its Title

I have been banking with Golden 1 since before I could even open a bank account on my own. My parents opened a savings account for me when I was in high school, and Golden 1 was their choice. In all my years using Golden 1, I have always had great service. Whether I'm using their online banking or walking into one of their locations, I experience fast and convenient service. Their online banking platform is easy to use, and provides all the information and functionality one needs when banking on the go. When I've travelled, Golden 1 has always charged me small and reasonable fees on my international purchases and ATM trips, which was a benefit I did not receive from a certain larger bank with whom I also have an account. The fees on my checking account have always been low and regular. My main negative experience has been that I am unable to access any of their branch locations when I'm not home.

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Health
A+

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees1863
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.34%
Annual Interest Income$210.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$14.95B$12.63B
LoansQ2 2020vs Q2 2019$8.83B$8.77B
DepositsQ2 2020vs Q2 2019$13.17B$10.98B
Equity CapitalQ2 2020vs Q2 2019$1.60B$1.48B
Loan Loss AllowanceQ2 2020vs Q2 2019$91.3MM$76.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$32.9MM$32.2MM
Real Estate OwnedQ2 2020vs Q2 2019$498.00K$598.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Golden 1 Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.08%*$10k*-IRA Savings
OTHER TIERS: 0.05% Up to $10k
0.08%*$10k*-Regular Savings
OTHER TIERS: 0.05% Up to $10k
0.08%--Santa Saver
0.08%--Youth Savings
0.08%--FlexSavings
0.08%*$10k*-Additional Savings
OTHER TIERS: 0.05% Up to $10k

Golden 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$250k*-Money Market Savings
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $50k | 0.40% $50k - $25k

Golden 1 Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Premium Checking
OTHER TIERS: 0.05% $1k - $10k | 0.08% $10k - $50k | 0.15% $50k - $100k

Golden 1 Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$100k*-60 Month CD
OTHER TIERS: 1.20% $500 - $100k
1.15%*$100k*-48-59 Month CD
OTHER TIERS: 1.10% $500 - $100k
1.00%*$100k*-36-47 Month CD
OTHER TIERS: 0.95% $500 - $100k
0.90%*$100k*-24-35 Month CD
OTHER TIERS: 0.85% $500 - $100k
0.60%*$100k*-18-23 Month CD
OTHER TIERS: 0.55% $500 - $100k
0.60%*$100k*-12-17 Month CD
OTHER TIERS: 0.55% $500 - $100k
0.40%*$100k*-6-11 Month CD
OTHER TIERS: 0.35% $500 - $100k
0.30%*$100k*-3-5 Month CD
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $100k

Golden 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$100k*-60 Month IRA
OTHER TIERS: 1.20% $500 - $100k
1.30%*$100k*-60 Month CESA
OTHER TIERS: 1.20% $500 - $100k
1.15%*$100k*-48-59 Month IRA
OTHER TIERS: 1.10% $500 - $100k
1.15%*$100k*-48-59 Month CESA
OTHER TIERS: 1.10% $500 - $100k
1.00%*$100k*-36-47 Month IRA
OTHER TIERS: 0.95% $500 - $100k
1.00%*$100k*-36-47 Month CESA
OTHER TIERS: 0.95% $500 - $100k
0.90%*$100k*-24-35 Month IRA
OTHER TIERS: 0.85% $500 - $100k
0.90%*$100k*-24-35 Month CESA
OTHER TIERS: 0.85% $500 - $100k
0.60%*$100k*-18-23 Month IRA
OTHER TIERS: 0.55% $500 - $100k
0.60%*$100k*-12 -17 Month IRA
OTHER TIERS: 0.55% $500 - $100k
0.60%*$100k*-12 -17 Month CESA
OTHER TIERS: 0.55% $500 - $100k
0.60%*$100k*-18-23 Month CESA
OTHER TIERS: 0.55% $500 - $100k
0.55%$25$10k12 Month IRA
0.55%$25$10k12 Month CESA
0.40%*$100k*-6-11 Month IRA
OTHER TIERS: 0.35% $500 - $100k
0.40%*$100k*-6-11 Month CESA
OTHER TIERS: 0.35% $500 - $100k
0.30%*$100k*-3-5 Month IRA
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $100k
0.30%*$100k*-3-5 Month CESA
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $100k
Locations

Availability



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