Golden 1 Credit Union is headquartered in Sacramento and is the 2nd largest credit union in the state of California. It is also the 8th largest credit union in the nation. It was established in 1933 and as of March of 2025, it had grown to 2,086 employees and 1,154,833 members at 64 locations. Golden 1 Credit Union's savings rates are 8X the national average, and it 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
Just Tried To Open The 15Mo 5%
I don't know if this is true but I just wanted to fyi people in case they don't live near a branch.
I just tried to join & open a cert., got to the end and it said funding for Cert. was $500min to $1,000 MAX!! The csr checked 2 times and said for this one in order to fund any higher, would require an IN BRANCH VISIT...Great I am in-between 2 for 36miles each way to either so I may call and ask again tomorrow but no go for me.
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.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61650 |
| Year Chartered | 1933 |
| Employees | 2086 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.56% |
| Return on Equity - YTD | 6.27% |
| Annual Interest Income | $234.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $20.31B$20.49B |
| Loans | Q1 2025vs Q1 2024 | $14.82B$13.88B |
| Deposits | Q1 2025vs Q1 2024 | $18.3B$17.08B |
| Equity Capital | Q1 2025vs Q1 2024 | $1.77B$1.56B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $156.6MM$146.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $95.8MM$85.6MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $330K$0 |
