THE GOLDEN 1

P.O. BOX 15966
Sacramento, CA 95852

Phone: 1-877-465-3361

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 61650
Date Established 1933
Assets $12,255.27 million
Loans $8,819.86 million
Deposits $10,722.15 million
Capital $1,408.54 million

The Golden 1 is an NCUA insured institution located in Sacramento, CA. It was founded in 1933 and has approximately $12255.27 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 - April 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $1 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.75% $25 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.30% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
0.40% $100,000 - Learn MoreShow Less
6 Mo CD
0.50% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
0.55% $100,000 - Learn MoreShow Less
12 Mo CD
0.75% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
0.80% $100,000 - Learn MoreShow Less
18 Mo CD
0.75% $10,000 $24,999 Learn MoreShow Less
18 Mo CD
0.80% $100,000 - Learn MoreShow Less
24 Mo CD
1.00% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
1.05% $100,000 - Learn MoreShow Less
30 Mo CD
1.00% $10,000 $24,999 Learn MoreShow Less
30 Mo CD
1.05% $100,000 - Learn MoreShow Less
36 Mo CD
1.20% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
1.25% $100,000 - Learn MoreShow Less
48 Mo CD
1.55% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
1.60% $100,000 - Learn MoreShow Less
60 Mo CD
1.87% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
1.92% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.15% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Washington, WA 98109

Auto Loan Rates APR Rate Monthly Payment
3 Year 3.34% 3.34% $730.78
4 Year 3.34% 3.34% $557.12
5 Year 3.34% 3.34% $453.00
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:
Seattle,Washington


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
5.03% 7.49

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, 2018, The Golden 1 had $71,151,392 in non-current loans and $3,167,651 in owned assets. To cover these potential losses it had $1,408,536,082 in net worth and $69,138,727 in loans loss reserves. That gives it a Texas Ratio of 5.03%.

Net Worth
The Golden 1 U.S. Average
11.49% 13.61%

The Golden 1 FCU has a net worth of 11.49% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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