Golden 1 Credit Union

Overview / Commentary
8945 Cal Center Dr
Sacramento, CA 95826-3239

Golden 1 Credit Union is headquartered in Sacramento and is the 3rd largest credit union in the state of California. It is also the 7th largest credit union in the nation. It was established in 1933 and as of September of 2019, it had grown to 1,742 employees and 1,045,692 members at 74 locations. Golden 1 Credit Union's money market rates are 70% higher than the national average, and it boasts 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).
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Related Posts

15-Month Term Savings Certificate, 2.55% APY - 1/31/2019

Limited-time offer: 15-month CD, 2.55% APY, $1,000 minimum deposit. Golden 1 is open to anyone by joining Financial Fitness Association.

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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.

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.

Golden 1 Credit Union

Posted by: dantekirk | Jun 29, 2017

Golden 1 Credit Union seemed a lot like the big banks, but in a smaller credit union form. For people who are into technology, they support Apple Pay sooner then a lot of other banks. They do not charge for a lot of ATMs. You can withdrawal money from many places without a fee, like from 7-11 stores. The loans have quite a low rate on them. There are no fees for visiting inside the bank to speak with a Teller.

Golden 1 Earns Its Title

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.



Health Grade Components

NCUA #61650
Year Chartered1933
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD8.57%
Annual Interest Income$318.6MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$12.89B$12.13B
LoansQ3 2019vs Q3 2018$8.72B$8.61B
DepositsQ3 2019vs Q3 2018$11.16B$10.59B
Equity CapitalQ3 2019vs Q3 2018$1.52B$1.36B
Loan Loss AllowanceQ3 2019vs Q3 2018$74.0MM$65.2MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$34.2MM$35.6MM
Real Estate OwnedQ3 2019vs Q3 2018$349.00K$158.00K
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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

0.20%--IRA Savings
0.20%$100-Regular Savings
0.20%--Santa Saver
0.20%--Youth Savings
0.20%$100-Additional Savings

Golden 1 Credit Union Money Market Rates

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

0.25%*$100k*-Premium Checking
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $50k | 0.20% $50k - $100k

Golden 1 Credit Union CD Rates

2.00%*$100k*-60 Month CD
OTHER TIERS: 1.90% $1k - $100k
1.60%*$100k*-48-59 Month CD
OTHER TIERS: 1.55% $1k - $100k
1.25%*$100k*-36-47 Month CD
OTHER TIERS: 1.20% $1k - $100k
1.15%*$100k*-24-35 Month CD
OTHER TIERS: 1.10% $1k - $100k
0.95%*$100k*-18-23 Month CD
OTHER TIERS: 0.90% $1k - $100k
0.95%*$100k*-12-17 Month CD
OTHER TIERS: 0.90% $1k - $100k
0.65%*$100k*-6-11 Month CD
OTHER TIERS: 0.60% $1k - $100k
0.40%*$100k*-3-5 Month CD
OTHER TIERS: 0.30% $1k - $25k | 0.35% $25k - $100k

Golden 1 Credit Union IRA Rates

2.00%*$100k*-60 Month IRA
OTHER TIERS: 1.90% $500 - $100k
2.00%*$100k*-60 Month CESA
OTHER TIERS: 1.90% $500 - $100k
1.60%*$100k*-48-59 Month IRA
OTHER TIERS: 1.55% $500 - $100k
1.60%*$100k*-48-59 Month CESA
OTHER TIERS: 1.55% $500 - $100k
1.25%*$100k*-36-47 Month IRA
OTHER TIERS: 1.20% $500 - $100k
1.25%*$100k*-36-47 Month CESA
OTHER TIERS: 1.20% $500 - $100k
1.15%*$100k*-24-35 Month IRA
OTHER TIERS: 1.10% $500 - $100k
1.15%*$100k*-24-35 Month CESA
OTHER TIERS: 1.10% $500 - $100k
0.95%*$100k*-12 Month IRA
OTHER TIERS: 0.90% $25 - $100k
0.95%*$100k*-18-23 Month IRA
OTHER TIERS: 0.90% $500 - $100k
0.95%*$100k*-13-17 Month IRA
OTHER TIERS: 0.90% $500 - $100k
0.95%*$100k*-12 Month CESA
OTHER TIERS: 0.90% $25 - $100k
0.95%*$100k*-13-17 Month CESA
OTHER TIERS: 0.90% $500 - $100k
0.95%*$100k*-18-23 Month CESA
OTHER TIERS: 0.90% $500 - $100k
0.65%*$100k*-6-11 Month IRA
OTHER TIERS: 0.60% $500 - $100k
0.65%*$100k*-6-11 Month CESA
OTHER TIERS: 0.60% $500 - $100k
0.40%*$100k*-3-5 Month IRA
OTHER TIERS: 0.30% $500 - $25k | 0.35% $25k - $100k
0.40%*$100k*-3-5 Month CESA
OTHER TIERS: 0.30% $500 - $25k | 0.35% $25k - $100k


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