The Golden 1

P.o. Box 15966
Sacramento, CA 95852

Overview
Membership
Savings Rates
Loan Rates
Branches
Financial Details
Articles
Reviews

Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 61650
Date Established	1933
Assets	$11,158.92 million
Loans	$7,806.74 million
Deposits	$9,764.16 million
Capital	$1,275.37 million

The Golden 1 is an NCUA insured institution located in Sacramento, CA. It was founded in 1933 and has approximately $11158.92 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.

Savings Rates

Your Current Location: Virginia, VA 20146

CD 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
6 Mo CD 10K	0.25%	$10,000	$24,999	Learn MoreShow Less
6 Mo CD 100K	0.30%	$100,000	-	Learn MoreShow Less
12 Mo CD 10K	0.30%	$10,000	$24,999	Learn MoreShow Less
12 Mo CD 100K	0.35%	$100,000	-	Learn MoreShow Less
18 Mo CD 10K	0.35%	$10,000	$24,999	Learn MoreShow Less
18 Mo CD 100K	0.40%	$100,000	-	Learn MoreShow Less
24 Mo CD 10K	0.45%	$10,000	$24,999	Learn MoreShow Less
24 Mo CD 100K	0.50%	$100,000	-	Learn MoreShow Less
30 Mo CD 10K	0.45%	$10,000	$24,999	Learn MoreShow Less
30 Mo CD 100K	0.50%	$100,000	-	Learn MoreShow Less
36 Mo CD 10K	0.85%	$10,000	$24,999	Learn MoreShow Less
36 Mo CD 100K	0.90%	$100,000	-	Learn MoreShow Less
48 Mo CD 10K	1.25%	$10,000	$24,999	Learn MoreShow Less
48 Mo CD 100K	1.30%	$100,000	-	Learn MoreShow Less
60 Mo CD 10K	1.45%	$10,000	$24,999	Learn MoreShow Less
60 Mo CD 100K	1.50%	$100,000	-	Learn MoreShow Less

Savings Rates	APY	MIN	MAX
Savings 2.5K	0.15%	$100	-	Learn MoreShow Less
Compare with 1.20% APY Online Savings Account from Ally Bank

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA 0K	0.30%	$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	$99,999	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
15 Year Fixed Conforming	3.60%	3.50%	$1,787.21	Learn MoreShow Less
30 Year Fixed Conforming	4.19%	4.13%	$1,211.62	Learn MoreShow Less

Purchase Mortgage Rates	APR	Rate	Monthly Payment
15 Year Fixed Conforming	3.60%	3.50%	$1,787.21	Learn MoreShow Less
30 Year Fixed Conforming	4.19%	4.13%	$1,211.62	Learn MoreShow Less
Compare with 4.298% APR and 4.250% 30-Year Fixed RATE from Rocket Mortgage See amortization table

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
2.24%	6.15%

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. As of June 30, 2017, The Golden 1 had $27,481,159 in non-current loans and $2,092,726 in owned assets. To cover these potential losses it had $1,275,371,274 in net worth and $41,967,500 in loans loss reserves. That gives it a Texas Ratio of 2.24%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth

The Golden 1	U.S. Average
11.42%	13.03

The Golden 1 FCU has a net worth of 11.42% versus the BestCashCow average of 13.03. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.