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Overview / Commentary
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 September of 2016, it had grown to 1,365 employees and 817,041 members at 79 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

Related Posts

Golden 1 Credit Union Special 27-Month Certificate - 11/30/2016

1.50% APY for IRA Certificates and Certificates opened through Online Banking 1.25% APY for Certificates opened at any branch or by calling 1-877-GOLDEN 1 (1-877-465-3361) Convenient 27-month term investment Low, minimum deposit of only $1,000 https://www.golden1.com/Golden1Certificate/

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Great local bank with many locations

Posted by: 7Shriners | Nov 11, 2016

We use this bank in three capacities. We have a couple of savings accounts, a checking and a loan account.  We recently went to this credit union because we had 3 different fraudulent encounters with another major bank that we had been with for over 20 years. What we found was excellent pricing and not a lot of loop holes. We do not pay any fees and there is never a minimum balance required. Our local branches consist of at least 3 that are within a five mile radius of our home so access to these locations is ideal for us. We also appreciate that because it is a credit union, we can utilize other credit union ATM's without being penalized for withdrawals. This allows us to bank easily even if there isn't a branch near to us.

Good Rewards Card

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.

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.

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".

VIEW MORE REVIEWS

Health
A+

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees1365
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD7.58%
Annual Interest Income$216.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$10.36B$9.51B
LoansQ3 2016vs Q3 2015$6.89B$5.45B
DepositsQ3 2016vs Q3 2015$9.03B$8.27B
Equity CapitalQ3 2016vs Q3 2015$1.22B$1.13B
Loan Loss AllowanceQ3 2016vs Q3 2015$38.6MM$43.6MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$28.0MM$27.7MM
Real Estate OwnedQ3 2016vs Q3 2015$418.00K$460.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Golden 1 Credit Union Special 27-Month Certificate

Jake9   |  
1.50% APY for IRA Certificates and Certificates opened through Online Banking
1.25% APY for Certificates opened at any branch or by calling 1-877-GOLDEN 1 (1-877-465-3361)
Convenient 27-month term investment
Low, minimum deposit of only $1,000
https://www.golden1.com/Golden1Certificate/

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
0.15%--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 79 locations. Click to view all Golden 1 Credit Union locations.