Golden 1 Credit Union

Headquarters

P.o. Box 15966
Sacramento, CA 95852
See all branch locations →

Phone 1-877-465-3361

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.50% 0.70% →
2-Year CD 0.65% 0.75% →
5-Year CD 0.90% 1.15% →
30-Year Mortgage 3.94% 2.72% →
15-Year Mortgage 3.62% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Golden 1 Credit Union is an NCUA insured institution located in Sacramento, CA. It was founded in 1933 and has approximately $16310.41 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 $16,310.41 million
Loans $9,059.36 million
Deposits $14,493.80 million
Capital $1,579.01 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 - June 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.05% $0 - Learn More
Money Market
0.05% $0 $9,999 Learn More
Money Market
0.10% $10,000 $49,999 Learn More
Money Market
0.15% $50,000 $99,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $500 $9,999 Learn More
12 Mo CD
0.50% $500 $9,999 Learn More
18 Mo CD
0.50% $500 $9,999 Learn More
24 Mo CD
0.65% $500 $9,999 Learn More
30 Mo CD
0.65% $500 $9,999 Learn More
36 Mo CD
0.75% $500 $9,999 Learn More
48 Mo CD
0.80% $500 $9,999 Learn More
60 Mo CD
0.90% $500 $9,999 Learn More
Variable IRA Rates APY MIN MAX
VIRA
0.05% $0 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK
0.05% $1,000 $9,999 Learn MoreShow Less

Loan Rates - June 16, 2021

Your Current Location: Connecticut, CT 06828

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
Purchase Mortgage Rates APR Rate Monthly Payment

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 Golden 1 Credit Union 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:
Fairfield,Connecticut


Golden 1 Credit Union Locations


Financial Details

Golden 1 Credit Union Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Golden 1 Credit Union. 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
Golden 1 Credit Union U.S. Average
2.85% 5.40

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, 2020, Golden 1 Credit Union had $46,632,177 in non-current loans and $1,439,072 in owned assets. To cover these potential losses it had $1,579,005,956 in net worth and $109,604,040 in loans loss reserves. That gives it a Texas Ratio of 2.85%.

Net Worth
Golden 1 Credit Union U.S. Average
9.68% 12.67%

Golden 1 Credit Union FCU has a net worth of 9.68% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Golden 1 Credit Union

Branches and Savings

What is Golden 1 Credit Union?

A credit union, registered with the NCUA under certificate #61650.
Learn more about credit unions here.

Is Golden 1 Credit Union FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Golden 1 Credit Union is insured by the NCUA.

Who can join Golden 1 Credit Union?

Please see Field of Membership information above for information on who is eligible to join.

What are Golden 1 Credit Union's share account and share certificate rates?

Golden 1 Credit Union's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Golden 1 Credit Union?

Golden 1 Credit Union has total capital of $1,579.01 million. Full information on Golden 1 Credit Union's financial position is located above.

Who owns Golden 1 Credit Union?

Credit Unions are owned by their members.

Where are Golden 1 Credit Union branches located?

See branch locations nearby.

Are Golden 1 Credit Union ATMs Open 24/7?

Do Golden 1 Credit Union ATMs accept cash deposits?

Can Golden 1 Credit Union customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Golden 1 Credit Union have a mobile app?

Does Golden 1 Credit Union have mobile deposit?

Does Golden 1 Credit Union have quick pay?

How can Golden 1 Credit Union transfer money to other banks or credit unions?

Does Golden 1 Credit Union report to credit bureaus?

Does Golden 1 Credit Union use Chexsystems?

Does Golden 1 Credit Union use Equifax?

What is Golden 1 Credit Union's toll free phone number?

What is Golden 1 Credit Union's ACH Routing Number?

What is Golden 1 Credit Union's SWIFT code?

Where can I find Golden 1 Credit Union's wire transfer form?

What is the Golden 1 Credit Union address for deposits?

What Products Does Golden 1 Credit Union Offer

Does Golden 1 Credit Union offer mortgages?

Compare mortgage rates here.

Does Golden 1 Credit Union offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Golden 1 Credit Union offer auto and RV loans?

Compare auto loan rates here.

Does Golden 1 Credit Union offer student loans or personal loans?

Compare personal loan rates here.

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