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 June of 2022, it had grown to 2,000 employees and 1,073,395 members at 72 locations. Golden 1 Credit Union's money market rates are 36% higher than 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

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.

Hiring Wells Fargo Brass

Golden 1 used to be a great place to bank. But things have changed dramatically over the last 3 years. Golden 1 has been hiring former Wells Fargo management staff. Wells Fargo is one of the worst banks in the market and a formerly great Credit Union decided they wanted to be more like Welss Fargo. Trying to find a new Credit Union. A great place going down the tubes.

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Health

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees2000
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD8.69%
Annual Interest Income$226.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$18.48B$17.54B
LoansQ2 2022vs Q2 2021$10.84B$9.35B
DepositsQ2 2022vs Q2 2021$16.84B$15.69B
Equity CapitalQ2 2022vs Q2 2021$1.42B$1.67B
Loan Loss AllowanceQ2 2022vs Q2 2021$73.1MM$89.9MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$41.1MM$27.8MM
Real Estate OwnedQ2 2022vs Q2 2021$0$201.00K
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
0.05%--IRA Savings
0.05%--Regular Savings
0.05%--Santa Saver
0.05%--Youth Savings
0.05%--FlexSavings
0.05%--Additional Savings

Golden 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Money Market Savings
OTHER TIERS: 0.05% Up to $10k | 0.25% $10k - $50k | 0.40% $50k - $100k

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
3.00%*$50k*-35 Month CD Special
OTHER TIERS: 2.75% $1k - $50k
2.25%*$100k*-60 Month CD
OTHER TIERS: 1.90% $500 - $100k
1.65%*$100k*-48-59 Month CD
OTHER TIERS: 1.50% $500 - $100k
1.45%*$100k*-36-47 Month CD
OTHER TIERS: 1.35% $500 - $100k
1.25%*$100k*-24-35 Month CD
OTHER TIERS: 1.15% $500 - $100k
1.10%*$100k*-18-23 Month CD
OTHER TIERS: 1.00% $500 - $100k
1.05%*$100k*-13-17 Month CD
OTHER TIERS: 0.95% $500 - $100k
0.90%*$100k*-6-11 Month CD
OTHER TIERS: 0.80% $500 - $100k
0.60%*$100k*-3-5 Month CD
OTHER TIERS: 0.40% $500 - $100k

Golden 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$50k*-35 Month IRA Special
OTHER TIERS: 2.75% $500 - $50k
2.25%*$100k*-60 Month IRA
OTHER TIERS: 1.90% $500 - $100k
2.25%*$100k*-60 Month CESA
OTHER TIERS: 1.90% $500 - $100k
1.65%*$100k*-48-59 Month IRA
OTHER TIERS: 1.50% $500 - $100k
1.65%*$100k*-48-59 Month CESA
OTHER TIERS: 1.50% $500 - $100k
1.45%*$100k*-36-47 Month IRA
OTHER TIERS: 1.35% $500 - $100k
1.45%*$100k*-36-47 Month CESA
OTHER TIERS: 1.35% $500 - $100k
1.25%*$100k*-24-35 Month IRA
OTHER TIERS: 1.15% $500 - $100k
1.25%*$100k*-24-35 Month CESA
OTHER TIERS: 1.15% $500 - $100k
1.10%*$100k*-18-23 Month IRA
OTHER TIERS: 1.00% $500 - $100k
1.10%*$100k*-18-23 Month CESA
OTHER TIERS: 1.00% $500 - $100k
1.05%*$100k*-13 -17 Month IRA
OTHER TIERS: 0.95% $500 - $100k
1.05%*$100k*-13 -17 Month CESA
OTHER TIERS: 0.95% $500 - $100k
0.95%$25$10k12 Month IRA
0.95%$25$10k12 Month CESA
0.90%*$100k*-6-11 Month IRA
OTHER TIERS: 0.80% $500 - $100k
0.90%*$100k*-6-11 Month CESA
OTHER TIERS: 0.80% $500 - $100k
0.60%*$100k*-3-5 Month IRA
OTHER TIERS: 0.40% $500 - $100k
0.60%*$100k*-3-5 Month CESA
OTHER TIERS: 0.40% $500 - $100k
Locations

Availability

Sacramento Area

Interactive local rates map


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