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 September of 2022, it had grown to 1,997 employees and 1,082,876 members at 72 locations. Golden 1 Credit Union's money market rates are 2X the national average, and it has a B+ 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

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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

The Best!!!!

Posted by: |

I have been a member for two years now. And they are the best. I switched from Wells Fargo to Golden 1 Credit union. They have no hidden fees, and my check and savings account are free. I have always had great customer service. Everyone is always very helpful and smiling, which makes it a nice experience when I go to the bank.

I have had an auto loan which was easy to get even with the bad credit that I had. They gave me a chance and believed in me. The loan has since been paid, and it boosted my credit score.

Golden 1 is conveniently located close to me that it is in walking distance.

Bill pay is wonderful, makes my life easier just clicking to pay, very hassle free.

Forever a Gold 1 Credit Union Fan. Keep up the great work!!!!

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.

Golden1 Is No Fun

Although I've had my account with Golden1 for approximately 26 years, they have never done me any credit card or loan favors since I've been with them. Recently they wasted my time at the Elkhorn Blvd branch in Sacramento by scheduling me an appointment to come in so they could notarize a document for me, and then refused to do so when I arrived because they wanted me to pay them for this service that is free to everyone who has an account with other banks. Wells Fargo has done numerous notaries for me for free without even having an account with them. The woman had the nerves to involve her worthless manager in the conversation who backed up her no-good customer service stating they wouldn't provide the service for free. I walked out and continue to make my major deposits with BofA who doesn't mind overwhelming their customers with great free services, including money added to your account for shopping at certain stores.

Checking Acct Hold

I deposited 6 checks via Mobile app online because weekends and holiday. Bank is close. I went to the bank after 5 days and expecting the checks was cleared and I want to withdraw money..
All of a sudden the bank teller from Vacaville CA iaskung me questions when Who gave me the checks?? I asked her back , " What's wrong with checks? Did it bounce? The teller said " No" but the checks are bad,
I got confused and irritated because the checks are legit .
To make the story short.. I called the customer service online and same thing they said that it's a bad check.. but didn't bounce ..
I end up going to the branch where I open my account 10 years ago..
Spoke to the manager of the branch and showed all the checks I deposited via Mobile...
I was very furious because Golden 1 hold my withdrawal my direct deposit pay from my work as Governent State employee .
I told the bank It's going to create hardship and crisis on my part because of the account freeze, won't able to pay my bills and mortgage. The bank gave me an email
To send all the copies of the check to Sacramento main office. I decided to contact Office of the Atty General of CA , consumer report and civil rights then
I sent an email to the bank with the copies of the checks to release all my funds because by law bank can not
Hold account without valid reasons for over 10 days.
After Ygr email the next day bank removed the hold of my money.
Is this crazy??? Worse customer service holden1 credit union bank
I can not believe they did this to me.
I decided to withdraw all my money and clise the account.
Best bank is US Bank.

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Health
B+

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees1997
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD9.6%
Annual Interest Income$373.4MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$18.29B$18.13B
LoansQ3 2022vs Q3 2021$11.75B$9.42B
DepositsQ3 2022vs Q3 2021$16.78B$16.24B
Equity CapitalQ3 2022vs Q3 2021$1.29B$1.70B
Loan Loss AllowanceQ3 2022vs Q3 2021$76.6MM$85.7MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$47.9MM$35.2MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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
0.10%*$10k*-IRA Savings
OTHER TIERS: 0.05% Up to $10k
0.10%*$10k*-Regular Savings
OTHER TIERS: 0.05% Up to $10k
0.10%--Santa Saver
0.10%--Youth Savings
0.10%--FlexSavings
0.10%*$10k*-Additional Savings
OTHER TIERS: 0.05% Up to $10k

Golden 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$250k*-Money Market Savings
OTHER TIERS: 0.05% Up to $10k | 0.30% $10k - $50k | 0.40% $50k - $100k | 0.60% $100k - $250k

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
2.60%*$100k*-60 Month CD
OTHER TIERS: 2.50% $500 - $100k
2.30%*$100k*-48-59 Month CD
OTHER TIERS: 2.20% $500 - $100k
2.20%*$100k*-36-47 Month CD
OTHER TIERS: 2.10% $500 - $100k
2.00%*$100k*-24-35 Month CD
OTHER TIERS: 1.90% $500 - $100k
1.70%*$100k*-18-23 Month CD
OTHER TIERS: 1.60% $500 - $100k
1.70%*$100k*-13-17 Month CD
OTHER TIERS: 1.60% $500 - $100k
1.30%*$100k*-6-11 Month CD
OTHER TIERS: 1.20% $500 - $100k
1.00%*$100k*-3-5 Month CD
OTHER TIERS: 0.60% $500 - $100k

Golden 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%*$100k*-60 Month IRA
OTHER TIERS: 2.50% $500 - $100k
2.60%*$100k*-60 Month CESA
OTHER TIERS: 2.50% $500 - $100k
2.30%*$100k*-48-59 Month IRA
OTHER TIERS: 2.20% $500 - $100k
2.30%*$100k*-48-59 Month CESA
OTHER TIERS: 2.20% $500 - $100k
2.20%*$100k*-36-47 Month IRA
OTHER TIERS: 2.10% $500 - $100k
2.20%*$100k*-36-47 Month CESA
OTHER TIERS: 2.10% $500 - $100k
2.00%*$100k*-24-35 Month IRA
OTHER TIERS: 1.90% $500 - $100k
2.00%*$100k*-24-35 Month CESA
OTHER TIERS: 1.90% $500 - $100k
1.70%*$100k*-18-23 Month IRA
OTHER TIERS: 1.60% $500 - $100k
1.70%*$100k*-13 -17 Month IRA
OTHER TIERS: 1.60% $500 - $100k
1.70%*$100k*-13 -17 Month CESA
OTHER TIERS: 1.60% $500 - $100k
1.70%*$100k*-18-23 Month CESA
OTHER TIERS: 1.60% $500 - $100k
1.60%$25$10k12 Month IRA
1.60%$25$10k12 Month CESA
1.30%*$100k*-6-11 Month IRA
OTHER TIERS: 1.20% $500 - $100k
1.30%*$100k*-6-11 Month CESA
OTHER TIERS: 1.20% $500 - $100k
1.00%*$100k*-3-5 Month IRA
OTHER TIERS: 0.60% $500 - $100k
1.00%*$100k*-3-5 Month CESA
OTHER TIERS: 0.60% $500 - $100k
Locations

Availability



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