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  2. Golden 1 Credit Union

Golden 1 Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%5-year CD60 Month CD
2.25% - Bank of Internet USA 60 Month CD
0.35%1-year CD12-17 Month CD
1.50% - Ally Bank No Penalty 11-Month CDAdvertisement
0.15%SavingsRegular Savings
1.20% - Ally Bank Online Savings AccountAdvertisement
View all Golden 1 Credit Union rates »

Overview / Commentary
www.golden1.com
877-465-3361
8945 Cal Center Dr
Sacramento, CA 95826-3239

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 June of 2017, it had grown to 1,551 employees and 875,026 members at 76 locations. Golden 1 Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Golden 1 Credit Union is open to anyone through joining the Financial Fitness Association ($8 membership fee). Membership is also open to those who live or work in Alameda, Los Angeles, Orange, Sacramento, and over 30 other counties in California, and to employees of California State University, City of Sacramento and over 600 Select Employer Groups (membership requirements are listed in the credit union's online application).
See current membership details

Related Posts

Golden 1 Credit Union Special 26-Month Certificate - 3/27/2017

Earn 1.60% APY Certificates opened with funds not currently on deposit Certificates opened through Online Banking, (including funds currently on deposit) IRA Certificates Earn 1.35% APY Certificates opened with funds currently on deposit $1,000 minimum https://www.golden1.com/Golden1Certificate

Golden 1 Credit Union (Easy Membership) Adds 15-Month CD - 12/12/2016

Golden 1 CU (easy membership) has added a 15-month Special Certificate (1.50% APY online, 1.25% APY in-branch). Minimum deposit is $1k, with no balance cap.

Golden 1 Credit Union Special 27-Month Certificate - 11/30/2016

1.50% APY for IRA Certificates and Certificates opened through Online Banking 1.25% APY for Certificates opened at any branch or by calling 1-877-GOLDEN 1 (1-877-465-3361) Convenient 27-month term investment Low, minimum deposit of only $1,000 https://www.golden1.com/Golden1Certificate/

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Reviews (25)

Golden 1 Earns Its Title

Posted by: hughkline2 | Oct 18, 2017

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.

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Golden 1 Credit Union

Posted by: candimiller1 | Aug 19, 2017

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.

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Very Adequate

Posted by: Heasyshi | Sep 11, 2017

I banked with Golden One for four years throughout college. All of the interactions I had with them during my membership were overall satisfactory. The only real time I had trouble with the Golden One Credit Union was after I stopped banking with them. After withdrawing my balance and closing my accounts, I continuously sent paper and digital correspondences. At first I thought they would eventually stop after my account closure had time to finalize, but they persisted. I unsubscribed through their email address and contacted customer service to halt the messages but they kept coming. There aren't a large number and they aren't pushy, so I often forget it's a problem, but to this day I still get member messages from Golden One. Again, they were a great bank to work with and I'm not overly upset by the problem, but just beware that if you intend to stop banking with Golden One, there are some attachment issues.

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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.

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Health
A+

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees1551
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD8.09%
Annual Interest Income$167.6MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$11.16B$10.26B
LoansQ2 2017vs Q2 2016$7.81B$6.41B
DepositsQ2 2017vs Q2 2016$9.76B$8.93B
Equity CapitalQ2 2017vs Q2 2016$1.27B$1.20B
Loan Loss AllowanceQ2 2017vs Q2 2016$42.0MM$38.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$25.7MM$24.1MM
Real Estate OwnedQ2 2017vs Q2 2016$374.00K$2.0MM
Rates
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* 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
0.15%--IRA Savings
0.15%$100-Regular Savings
0.15%--Santa Saver
0.15%--Youth Savings
0.15%--FlexSavings

Golden 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Money Market Savings
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $100k

Golden 1 Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Premium Checking

Golden 1 Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-60 Month CD
OTHER TIERS: 1.45% → $1k - $100k
1.30%*$100k*-48-59 Month CD
OTHER TIERS: 1.25% → $1k - $100k
0.90%*$100k*-36-47 Month CD
OTHER TIERS: 0.85% → $1k - $100k
0.50%*$100k*-24-35 Month CD
OTHER TIERS: 0.45% → $1k - $100k
0.40%*$100k*-18-23 Month CD
OTHER TIERS: 0.35% → $1k - $100k
0.35%*$100k*-12-17 Month CD
OTHER TIERS: 0.30% → $1k - $100k
0.30%*$100k*-6-11 Month CD
OTHER TIERS: 0.25% → $1k - $100k
0.25%*$100k*-3-5 Month CD
OTHER TIERS: 0.15% → $1k - $25k | 0.20% → $25k - $100k

Golden 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-60 Month IRA
OTHER TIERS: 1.45% → $500 - $100k
1.30%*$100k*-48-59 Month IRA
OTHER TIERS: 1.25% → $500 - $100k
0.90%*$100k*-36-47 Month IRA
OTHER TIERS: 0.85% → $500 - $100k
0.50%*$100k*-24 - 35 Month IRA
OTHER TIERS: 0.45% → $500 - $100k
0.40%*$100k*-18-23 Month IRA
OTHER TIERS: 0.35% → $500 - $100k
0.35%*$100k*-12 Month IRA
OTHER TIERS: 0.30% → $25 - $100k
0.35%*$100k*-13-17 Month IRA
OTHER TIERS: 0.30% → $500 - $100k
0.30%*$100k*-6-11 Month IRA
OTHER TIERS: 0.25% → $500 - $100k
0.25%*$100k*-3-5 Month IRA
OTHER TIERS: 0.15% → $500 - $25k | 0.20% → $25k - $100k
Locations

Availability