THE GOLDEN 1
P.O. BOX 15966
Sacramento, CA 95852
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Phone 1-877-465-3361
2020 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 $13854.01 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 |
| Charter Number # | # 61650 |
| Date Established | 1933 |
| Assets | $13,854.01 million |
| Loans | $8,704.92 million |
| Deposits | $12,132.47 million |
| Capital | $1,528.92 million |
Field of Membership Restrictions
Deposit Rates - August 15, 2020
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 3 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.05% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - August 15, 2020
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 | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
3.62% | 3.50% | $1,787.21 | |
| 30 Year Fixed Conforming See Amortization Table |
3.94% | 3.88% | $1,175.59 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
3.62% | 3.50% | $1,787.21 | |
| 30 Year Fixed Conforming See Amortization Table |
3.94% | 3.88% | $1,175.59 | |
Compare with 2.914% APR and 2.875% 30-Year Fixed RATE from AimLoan.com
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:
Fairfield,Connecticut
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 |
|---|---|
| 3.94% | 6.71 |
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 March 30, 2020, The Golden 1 had $61,102,603 in non-current loans and $2,487,120 in owned assets. To cover these potential losses it had $1,528,917,498 in net worth and $83,781,720 in loans loss reserves. That gives it a Texas Ratio of 3.94%.
Net Worth
| The Golden 1 | U.S. Average |
|---|---|
| 11.03% | 13.61% |
The Golden 1 FCU has a net worth of 11.03% 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.
Frequently Asked Questions About The Golden 1
Branches and Savings
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.
How big is The Golden 1?
The Golden 1 has total capital of $1,528.92 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 home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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