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Golden 1 Credit Union


Overview / Commentary
www.golden1.com
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 December of 2021, it had grown to 1,882 employees and 1,097,546 members at 72 locations. Golden 1 Credit Union has 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

View all posts from:

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

Reviews (30)

Golden State CU experience

Posted by: |

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.

4

Hiring Wells Fargo Brass

Posted by: |

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.

9

Service Fee Scam

Posted by: |

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".

18

Golden 1 Earns Its Title

Posted by: |

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.

1
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Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees1882
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD7.92%
Annual Interest Income$403.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$18.33B$16.31B
LoansQ4 2021vs Q4 2020$9.42B$9.06B
DepositsQ4 2021vs Q4 2020$16.48B$14.49B
Equity CapitalQ4 2021vs Q4 2020$1.68B$1.64B
Loan Loss AllowanceQ4 2021vs Q4 2020$80.5MM$109.6MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$43.8MM$34.0MM
Real Estate OwnedQ4 2021vs Q4 2020$0$259.00K
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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Golden 1 Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--IRA Savings
0.05%--Regular Savings
0.05%--Santa Saver
0.05%--Youth Savings
0.05%--FlexSavings
0.05%--Additional Savings

Golden 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Money Market Savings
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $50k | 0.15% → $50k - $100k

Golden 1 Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$100k*-Premium Checking
OTHER TIERS: 0.05% → $1k - $50k | 0.10% → $50k - $100k

Golden 1 Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$100k*-60 Month CD
OTHER TIERS: 1.00% → $500 - $50k | 1.05% → $50k - $100k
0.90%*$100k*-48-59 Month CD
OTHER TIERS: 0.80% → $500 - $50k | 0.85% → $50k - $100k
0.85%*$100k*-36-47 Month CD
OTHER TIERS: 0.70% → $500 - $25k | 0.75% → $25k - $50k | 0.80% → $50k - $100k
0.75%*$100k*-24-35 Month CD
OTHER TIERS: 0.65% → $500 - $50k | 0.70% → $50k - $100k
0.60%*$100k*-18-23 Month CD
OTHER TIERS: 0.50% → $500 - $50k | 0.55% → $50k - $100k
0.60%*$100k*-12-17 Month CD
OTHER TIERS: 0.50% → $500 - $50k | 0.55% → $50k - $100k
0.40%*$100k*-6-11 Month CD
OTHER TIERS: 0.30% → $500 - $25k | 0.35% → $25k - $100k
0.25%*$100k*-3-5 Month CD
OTHER TIERS: 0.15% → $500 - $25k | 0.20% → $25k - $100k

Golden 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$100k*-60 Month IRA
OTHER TIERS: 1.00% → $500 - $50k | 1.05% → $50k - $100k
1.10%*$100k*-60 Month CESA
OTHER TIERS: 1.00% → $500 - $50k | 1.05% → $50k - $100k
0.90%*$100k*-48-59 Month IRA
OTHER TIERS: 0.80% → $500 - $50k | 0.85% → $50k - $100k
0.90%*$100k*-48-59 Month CESA
OTHER TIERS: 0.80% → $500 - $50k | 0.85% → $50k - $100k
0.85%*$100k*-36-47 Month IRA
OTHER TIERS: 0.70% → $500 - $25k | 0.75% → $25k - $50k | 0.80% → $50k - $100k
0.85%*†$100k*-36-47 Month CESA
OTHER TIERS: 0.70% → $500 - $25k | 0.75% → $25k - $50k | 0.80% → $50k - $100k
0.75%*$100k*-24-35 Month IRA
OTHER TIERS: 0.65% → $500 - $50k | 0.70% → $50k - $100k
0.75%*$100k*-24-35 Month CESA
OTHER TIERS: 0.65% → $500 - $50k | 0.70% → $50k - $100k
0.60%*$100k*-18-23 Month IRA
OTHER TIERS: 0.50% → $500 - $50k | 0.55% → $50k - $100k
0.60%*$100k*-12 -17 Month IRA
OTHER TIERS: 0.50% → $500 - $50k | 0.55% → $50k - $100k
0.60%*$100k*-12 -17 Month CESA
OTHER TIERS: 0.50% → $500 - $50k | 0.55% → $50k - $100k
0.60%*$50k*$100k18-23 Month CESA
OTHER TIERS: 0.50% → $500+
0.50%$25$10k12 Month IRA
0.50%$25$10k12 Month CESA
0.40%*$100k*-6-11 Month IRA
OTHER TIERS: 0.30% → $500 - $25k | 0.35% → $25k - $100k
0.40%*$100k*-6-11 Month CESA
OTHER TIERS: 0.30% → $500 - $25k | 0.35% → $25k - $100k
0.25%*$100k*-3-5 Month IRA
OTHER TIERS: 0.15% → $500 - $25k | 0.20% → $25k - $100k
0.25%*$100k*-3-5 Month CESA
OTHER TIERS: 0.15% → $500 - $25k | 0.20% → $25k - $100k
Locations

Availability

San Francisco Bay Area

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