The Golden 1

P.o. Box 15966
Sacramento, CA 95852

Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 61650
Date Established 1933
Assets $11,337.58 million
Loans $8,070.26 million
Deposits $9,905.29 million
Capital $1,295.19 million

The Golden 1 is an NCUA insured institution located in Sacramento, CA. It was founded in 1933 and has approximately $11337.58 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.

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

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD 10K
0.15% $10,000 $24,999 Learn MoreShow Less
3 Mo CD 100K
0.25% $100,000 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.65% $25 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.15% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $1 $9,999 Learn MoreShow Less
MM 10K
0.20% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year 2.99% 2.99% $726.92 Learn MoreShow Less
4 Year 2.99% 2.99% $553.25 Learn MoreShow Less
5 Year 2.99% 2.99% $449.11 Learn MoreShow Less
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 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:
Ashburn,Virginia


The Golden 1 Locations

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
2.71% 7.77

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 September 30, 2017, The Golden 1 had $33,335,506 in non-current loans and $3,009,118 in owned assets. To cover these potential losses it had $1,295,192,424 in net worth and $47,515,598 in loans loss reserves. That gives it a Texas Ratio of 2.71%.

Net Worth
The Golden 1 U.S. Average
11.42% 13.15%

The Golden 1 FCU has a net worth of 11.42% versus the BestCashCow average of 13.15. 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 On The Golden 1

What is The Golden 1?

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

Is The Golden 1 FDIC insured?

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

Who can join The Golden 1?

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

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

The Golden 1'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 The Golden 1?

The Golden 1 has total capital of $1,295.19 million. Full information on The Golden 1's financial position is located above.

Who owns The Golden 1?

Credit Unions are owned by their members.

Where are The Golden 1 branches located?

See branch locations nearby.

Are The Golden 1 ATMs Open 24/7?

Do The Golden 1 ATMs accept cash deposits?

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

Does The Golden 1 have a mobile app?

Does The Golden 1 have mobile deposit?

Does The Golden 1 have quick pay?

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

Does The Golden 1 report to credit bureaus?

Does The Golden 1 use Chexsystems?

Does The Golden 1 use Equifax?

What is The Golden 1's toll free phone number?

What is The Golden 1's ACH Routing Number?

What is The Golden 1's SWIFT code?

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

What is the The Golden 1 address for deposits?

What Products Does The Golden 1 Offer

Does The Golden 1 offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Golden 1 offer auto and RV loans?

Compare auto loan rates here.

Does The Golden 1 offer student loans or personal loans?

Compare personal loan rates here.

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