The Golden 1

P.o. Box 15966
Sacramento, CA95852

Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 61650
Date Established 1933
Assets $9,145.48 million
Loans $4,912.85 million
Deposits $7,946.12 million
Capital $1,081.11 million

The Golden 1 is an NCUA insured institution located in Sacramento, CA. It was founded in 1933 and has approximately $9145.48 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.

For a more detailed analysis of The Golden 1's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Savings Rates

Your Current Location: New York, NY 10007

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
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: New York, NY 10007

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Auto Loan Rates APR Rate Monthly Payment
3 Year 2.79% 2.79% $724.72 Learn MoreShow Less
4 Year 2.79% 2.79% $551.04 Learn MoreShow Less
5 Year 2.79% 2.79% $446.89 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 3.14% 3.00% $1,726.45 Learn MoreShow Less
30 Year Fixed Conforming 3.70% 3.63% $1,140.13 Learn MoreShow Less
Purchase Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 3.14% 3.00% $1,726.45 Learn MoreShow Less
30 Year Fixed Conforming 3.70% 3.63% $1,140.13 Learn MoreShow Less

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:
New York,New York


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. Please remember that all federal credit unions listed on BestCashCow.com are NCUA insured. No depositor has ever lost money while their funds have been insured by NCUA.

Texas Ratio
The Golden 1 U.S. Average
2.15% 4.55%

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 March 31, 2015, The Golden 1 had $22,687,041 in non-current loans and $1,526,168 in owned assets. To cover these potential losses it had $1,081,107,563 in net worth and $45,747,522 in loans loss reserves. That gives it a Texas Ratio of 2.15%. 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
11.82% 10.81%

The Golden 1 FCU has a net worth of 11.82% versus the BestCashCow average of 10.81%. 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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