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 2018, it had grown to 1,660 employees and 1,003,235 members at 74 locations. Golden 1 Credit Union's money market rates are 70% higher than the national average, and it has an A health rating.
Field of Membership Restrictions
Golden 1 Credit Union is open to anyone through joining the Financial Fitness Association ($8 membership fee). Membership is also open to those who work or reside in California, are family or registered partners of current credit union members, or belong to one of over 500 Select Employer Groups, such as: 3M Optical Systems, American Lung Association of Sacramento, Boy Scouts of America No. 25, or California School Board Association (a complete list of SEGs are listed in the credit union's online application).
See current membership details
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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.
So far so good, and it has been far.
This is my primary union for my entire life savings since back then in 2005. Since I opened a savings account with them, I have not encountered any unnecessary fees. The only criticism that I have experienced was back then in 2010, when there was a problem regarding they're website that handles accounts, where you check important data, when I called to ask about the issue, the agents, yes, agents that handled my call were very very incompetent, I don't want to sound racist but the agents did not even know a particular term I was talking about that he/she had to hold the call for him/her to ask his/her supervisor, it was very frustrating that time, but that was the only bad experience I've had.
Making life easier
My experience with my online banking in regards to me checking, savings and money market account with my bank have been great. I have an easily accessible way to access my account details, deposit checks, pay bills, and send or transfer money fast and reliably. I personally love that I can take a picture of my check and deposit is done, except that it can take a day or so to post to my account. The other thing I love is that my bank has agreements with certain institutions that when I make a payment through my bank it goes through immediately with the institution. The only thing I have problems with in regards to the bill mobile application is seeing what is pending and what I have paid in the past. Overall, the internet experience using my online or mobile application banking account is positive.
Not The Best
I put money in my husband's bank and needed him to send it to me as I forgot my bank card at home. It's been 4 days since I've wired the money into my account, and it's still not even in my account yet. The money's been taken out from my husband's account, but it still showed as "pending." I thought it was going to be quick and delivered the following day. I was wrong. If I were to known I won't be getting it right away I would've just mind my own business and not put it into my husband's bank account. I would've deposited the money into my chase account instead.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61650 |
| Year Chartered | 1933 |
| Employees | 1660 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.78% |
| Return on Equity - YTD | 6.81% |
| Annual Interest Income | $379.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $12.26B$11.49B |
| Loans | Q4 2018vs Q4 2017 | $8.82B$8.16B |
| Deposits | Q4 2018vs Q4 2017 | $10.72B$10.03B |
| Equity Capital | Q4 2018vs Q4 2017 | $1.39B$1.30B |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $69.1MM$51.3MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $41.3MM$35.6MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $339.00K$244.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | - | - | IRA Savings | |
| 0.15% | $100 | - | Regular Savings | |
| 0.15% | - | - | Santa Saver | |
| 0.15% | - | - | Youth Savings | |
| 0.15% | - | - | FlexSavings | |
| 0.15% | $100 | - | Additional Savings |
Golden 1 Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | $250k* | - | Money Market Savings | ||
| OTHER TIERS: 0.25% → Up to $10k | 0.40% → $10k - $50k | 0.55% → $50k - $25k | |||||
Golden 1 Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $1k | - | Premium Checking |
