The Golden 1 Credit Union
Headquarters
P.o. Box 15966
Sacramento, CA 95852
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ACH 321175261
Phone 1-877-465-3361
2024 Overview
General Credit Union Information
The Golden 1 is an NCUA insured institution located in Sacramento, CA. It was founded in 1933 and has approximately $21129.8 millions in assets.
Who can join?
There are four ways to qualify for membership. If you...
Live or Work in an Eligible County
(https://www.golden1.com/Membership/default)
Join the Financial Fitness Association
(https://www.golden1.com/Membership/default)
Family of a Member: if you are a family member or registered domestic partner of a current Golden 1 member, you are eligible to join.
Employee of a Select Employee Group: we also offer membership to employees of select companies and groups.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61650 |
| Date Established | 1933 |
| Assets | $21,129.80 million |
| Loans | $13,915.01 million |
| Deposits | $16,714.75 million |
| Capital | $1,959.60 million |
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.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $1 | $9,999 |
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|
| Regular
|
0.10% | $10,000 | $99,999 |
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|
| Regular
|
0.20% | $100,000 | - |
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|
|
Money Market
|
0.05% | $1 | $9,999 |
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|
|
Money Market
|
1.00% | $10,000 | $49,999 |
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|
|
Money Market
|
1.00% | $50,000 | $99,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3-5 Months
|
3.00% | $500 | $99,999 |
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|
| 3-5 Months
|
3.10% | $100,000 | - |
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|
| 6 Mo CD
|
3.05% | $500 | $99,999 |
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|
| 6-11 Months
|
3.15% | $100,000 | - |
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|
| 6-11 Months
|
3.05% | $500 | $99,999 |
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|
| 6-11 Months
|
3.15% | $100,000 | - |
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|
| 12 Mo CD
|
3.45% | $500 | $99,999 |
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|
| 12-17 Months
|
3.55% | $100,000 | - |
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|
| 18 Mo CD
|
3.45% | $500 | $99,999 |
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|
| 18-23 Months
|
3.55% | $100,000 | - |
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|
| 20 Months
|
4.75% | $500 | - |
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|
| 24 Mo CD
|
3.50% | $500 | $99,999 |
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|
| 24-35 Months
|
3.60% | $100,000 | - |
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|
| 36 Mo CD
|
3.60% | $500 | $99,999 |
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|
| 36-47 Months
|
3.70% | $100,000 | - |
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|
| 48 Mo CD
|
3.65% | $500 | $99,999 |
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|
| 48-59 Months
|
3.75% | $100,000 | - |
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|
| 60 Mo CD
|
3.80% | $500 | $99,999 |
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|
| 60 Months
|
3.90% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.05% | $1 | $9,999 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $1,000 | $9,999 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.89% | 3.89% | $736.88 | |
| 4 Year | 3.89% | 3.89% | $563.25 | |
| 5 Year | 3.89% | 3.89% | $459.17 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.12% | 7.00% | $2,876.25 | |
| 30 Year Fixed Conforming See Amortization Table |
7.44% | 7.38% | $2,210.16 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.12% | 7.00% | $2,876.25 | |
| 30 Year Fixed Conforming See Amortization Table |
7.44% | 7.38% | $2,210.16 | |
Compare with 6.944% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are The Golden 1 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
THE GOLDEN 1 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
The Golden 1 Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of The Golden 1. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| The Golden 1 | U.S. Average |
|---|---|
| 6.68% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, The Golden 1 had $131,635,604 in non-current loans and $4,639,474 in owned assets. To cover these potential losses it had $1,959,598,430 in net worth and $79,594,339 in loans loss reserves. That gives it a Texas Ratio of 6.68%.
Net Worth
| The Golden 1 | U.S. Average |
|---|---|
| 9.26% | 13.62% |
The Golden 1 FCU has a net worth of 9.26% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for The Golden 1
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