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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
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.35%1-year CD12-17 Month CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.15%SavingsRegular Savings
1.20% - Synchrony Bank High Yield SavingsAdvertisement
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 March of 2017, it had grown to 1,517 employees and 856,447 members at 78 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 (23)

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.

1

Great local bank with many locations

Posted by: 7Shriners | Nov 11, 2016

We use this bank in three capacities. We have a couple of savings accounts, a checking and a loan account.  We recently went to this credit union because we had 3 different fraudulent encounters with another major bank that we had been with for over 20 years. What we found was excellent pricing and not a lot of loop holes. We do not pay any fees and there is never a minimum balance required. Our local branches consist of at least 3 that are within a five mile radius of our home so access to these locations is ideal for us. We also appreciate that because it is a credit union, we can utilize other credit union ATM's without being penalized for withdrawals. This allows us to bank easily even if there isn't a branch near to us.

2

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.

1

Service Fee Scam

Posted by: martaz | May 21, 2013

Beware the two pronged attack: putting a "hold" on direct deposits of state payroll and then charging "overdraft fees" when the depositor tries to use the funds.  This happened to me and when I asked how it was possible that debits made the day after the deposit were treated as overdratfts, I was told that "the system" does this and no one at the branch could explain why.
Clearly Golden 1 engages in the practice of "churning" accounts in order to charge fees (in my case $165.00) for their "free services".  They claim to be not for profit, but someone somewhere in the Golden 1 banking structure is living pretty well on my "service fees".

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Health
A+

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #61650
Year Chartered1933
Employees1517
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD7.67%
Annual Interest Income$82.7MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$11.07B$10.10B
LoansQ1 2017vs Q1 2016$7.56B$6.02B
DepositsQ1 2017vs Q1 2016$9.68B$8.82B
Equity CapitalQ1 2017vs Q1 2016$1.25B$1.17B
Loan Loss AllowanceQ1 2017vs Q1 2016$40.8MM$39.0MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$25.8MM$19.4MM
Real Estate OwnedQ1 2017vs Q1 2016$135.00K$2.8MM
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

Golden 1 Credit Union has 78 locations. Click to view all Golden 1 Credit Union locations.