Credit Union
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Golden 1 Credit Union

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About Credit Union

Golden 1 Credit Union is a not-for-profit financial cooperative that has been serving Californians since 1933. Its founders believed in the power of pooling financial resources to help one another prosper, and today, Golden 1 is one of the largest credit unions in the nation, with nearly $19 billion in assets.

One of the unique features of Golden 1 is its commitment to putting people first. As a not-for-profit cooperative, Golden 1 returns its earnings to its members through higher returns on savings, lower interest rates on loans, and a broad array of free services. Its mission is to deliver financial solutions with value, convenience, and exceptional service to its members.

Golden 1 offers its members a range of free services, including free mobile and online banking, access to 30,000 fee-free ATMs nationwide, and 70 conveniently located branches and home loan centers throughout California. Its members have relied on Golden 1 for 90 years to keep their money safe and secure, provide value-oriented financial solutions, and be their partner through every step of their financial journey.

Golden 1 is known for its prudent financial management and stability and has a long, rich history of growth. Its well-capitalized position ensures that it will be able to serve its more than 1 million members, its community, and its employees for years to come.

In recognition of its commitment to exceptional service, Golden 1 was recently ranked among the top financial services brands nationwide for Best Customer Experience by American Banker. Categories in the survey included trustworthiness, service, and community involvement.

Membership in Golden 1 Credit Union is open to all Californians; those who join can be a part of something bigger than themselves. They can benefit from its not-for-profit structure, commitment to putting people first, and exceptional service.

Key Features

Not-for-profit structure

As a not-for-profit financial cooperative, Golden 1 Credit Union returns its earnings to its members in the form of higher returns on savings, lower interest rates on loans, and free services. This means that Golden 1's focus is on serving its members rather than maximizing profits for shareholders.

Exceptional service

Golden 1 is committed to providing exceptional service to its members. It offers free mobile and online banking services, 70 conveniently located branches and home loan centers throughout California, and access to 30,000 fee-free ATMs nationwide. Its focus on service has earned its recognition as one of the top financial services brands nationwide for the Best Customer Experience.

Prudent financial management

Golden 1 Credit Union has a long history of growth, prudent financial management, and stability. Its well-capitalized position ensures that it will be able to serve its more than 1 million members for years to come.

Broad array of financial solutions

Golden 1 offers a broad array of financial solutions to its members, including checking and savings accounts, loans, credit cards, mortgages, and investment services. Its members can access all of these services through its branches, online, or mobile banking.

Community involvement

Golden 1 is committed to giving back to the communities it serves. It supports local organizations and charities through its Community Involvement Program, which focuses on education, financial literacy, and community development. This commitment to community involvement helps strengthen the communities it serves and reflects its not-for-profit mission to put people first.

Requirements

To become a member of Golden 1 Credit Union, you must meet the following requirements:

  1. Be a resident of California. Golden 1 Credit Union is open to all Californians, and membership is not limited to a specific employer, industry, or group.

  2. Complete a membership application. To become a member of Golden 1, you will need to complete a membership application and provide basic personal and financial information.

  3. Fund your account. Once your membership application is approved, you will need to fund your Regular Savings Account with a minimum deposit of just $1.

Access on the Go

Golden 1 Credit Union offers several options for accessing its services on the go. Here are some of the ways you can access Golden 1 services when you're on the move:

  1. Mobile Banking. Golden 1's mobile app allows you to manage your accounts, deposit checks, transfer funds, pay bills, and more from your smartphone or tablet. You can download the app for free from the App Store or Google Play.

  2. Online Banking. Golden 1's online banking platform allows you to manage your accounts, transfer funds, pay bills, and view statements from any computer or mobile device with internet access.

  3. Golden 1 ATMs. Golden 1 has over 800 ATMs throughout California and more than 30,000 fee-free ATMs nationwide through the CO-OP Network. You can use your Golden 1 debit or ATM card to withdraw cash, check your account balances and transfer funds.

  4. Telephone Banking. Golden 1's telephone banking service allows you to access your accounts and perform transactions by phone 24/7. You can check your account balances, transfer funds, pay bills, and more by calling 1-877-GOLDEN1 (1-877-465-3361).

Golden 1 Credit Union Products

Golden 1 Credit Union offers its members a wide range of financial products and services. Here are some of the key products offered by Golden 1:

  1. Checking and Savings Accounts. Golden 1 offers a variety of checking and savings accounts, including free checking, interest-bearing checking, youth accounts, and money market accounts. All accounts come with free online banking, mobile banking, and eStatements.

  2. Loans. Golden 1 offers a range of loan products, including auto loans, personal loans, home equity loans, and mortgages. Members can apply online, by phone, or in person and receive competitive rates and flexible terms.

  3. Credit Cards. Golden 1 offers credit cards with low rates, no annual fees, and rewards programs. Members can choose from a variety of card options, including rewards cards, cash-back cards, and low-interest cards.

  4. Investments and Retirement Planning. Golden 1 offers investment services, including retirement planning, investment advice, etc. Members can work with a financial advisor to create a personalized investment plan based on their goals and risk tolerance.

  5. Insurance. Golden 1 offers insurance products to help protect its members' financial well-being, including auto insurance, home insurance, and life insurance.

Which Associations does Golden 1 Credit Union Belong to?

Golden 1 Credit Union belongs to several associations. Some of them include the following:

  1. Credit Union National Association (CUNA). CUNA is a national trade association representing credit unions across the United States and advocating on their behalf.

  2. California and Nevada Credit Union Leagues (CCUL/NCUL). These regional trade associations support credit unions in California and Nevada by providing advocacy, education, and other resources.

  3. CO-OP Financial Services. CO-OP is a credit union service organization (CUSO) that provides payment processing, shared branching, and other financial services to credit unions, including Golden 1.

  4. National Association of Federally-Insured Credit Unions (NAFCU). NAFCU is a national organization that represents federally insured credit unions and works to advance their interests.

Golden 1 Credit Union Reliability

Golden 1 Credit Union is a reliable financial institution that has been serving its members since 1933. The credit union is insured by the National Credit Union Administration (NCUA), an independent United States government agency that provides deposit insurance to credit unions. This means that members' Golden 1 Credit Union deposits are insured up to $250,000 per individual depositor.

In addition to being insured by NCUA, Golden 1 Credit Union is an Equal Housing Opportunity lender, which means they are committed to providing fair and equal access to credit for all qualified applicants, regardless of race, color, religion, national origin, sex, familial status, or disability.

Golden 1 Credit Union also holds a Nationwide Multistate Licensing System & Registry (NMLS) number, #669333. NMLS is a nationwide system for licensing and registration of financial services providers, such as mortgage loan originators. This registration helps ensure that financial institutions, like Golden 1 Credit Union, adhere to appropriate regulations and guidelines.

All these factors contribute to the reliability and trustworthiness of Golden 1 Credit Union as a financial institution.

Golden 1 Credit Union

FAQ

Who owns Golden 1 Credit Union?

Golden 1 Credit Union is a member-owned financial cooperative. This means that it is owned by its members, who are also its customers. Each credit union member has an equal share and voting rights in the organization. As a cooperative, Golden 1 Credit Union is designed to serve the best interests of its members by providing competitive financial products and services. Profits generated by the credit union are returned to the members in the form of lower fees, better rates, and enhanced services. The credit union's board of directors is made up of members who their fellow members elect to oversee and guide the institution.

Is Golden 1 Credit Union a good credit union?

Golden 1 Credit Union, one of the largest credit unions in the United States, is a member-owned financial cooperative that offers a wide range of financial products and services, including checking and savings accounts, loans, credit cards, mortgages, and investment services. Known for their personalized, customer-focused approach, credit unions like Golden 1 typically provide better customer service experiences, competitive rates on loans and savings products, and lower fees compared to larger banks. Golden 1 also offers online and mobile banking services for convenient account management and is actively involved in various community programs and initiatives. Whether Golden 1 Credit Union is a good fit for you depends on your individual needs and preferences, so it's important to compare different financial institutions, research their offerings, and read reviews from current and former members to make an informed decision.

Is Golden 1 Credit Union hard to get approved for?

The difficulty of getting approved for products and services at Golden 1 Credit Union, like any other financial institution, depends on several factors, including your credit history, income, employment status, and debt-to-income ratio. These factors help the credit union assess your creditworthiness and ability to repay loans or manage credit accounts.

For some products, such as basic checking or savings accounts, approval might be relatively easier than for others, like credit cards, personal loans, or mortgages, which typically require a more stringent evaluation process.

Golden 1 Credit Union, being a member-focused organization, generally aims to help its members achieve financial success. As a result, they may have more flexible lending guidelines compared to large banks. However, approval for any financial product ultimately depends on your individual circumstances and qualifications.

To improve your chances of getting approved, maintain a good credit history, demonstrate a stable income, and minimize your debt-to-income ratio. Additionally, before applying, it's a good idea to research the specific requirements for the product you're interested in and consider consulting with a Golden 1 Credit Union representative to understand their approval criteria better.

Financial products
Golden 1 Credit Union
Personal Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $30,000
Rate
i

Effective interest rate on the product

from 8.49%
Term
i

Loan term for the financial product

up to 60 months
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $75,000
Rate
i

Effective interest rate on the product

from 6.94%
Term
i

Loan term for the financial product

up to 84 months
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $1,000,000
Rate
i

Effective interest rate on the product

from 6.750%
Term
i

Loan term for the financial product

up to 30 years
All cards
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
100.00 – 20000.00 $
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Effective interest rate on the product

from 0.05 %
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Loan term for the financial product

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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Finanso
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Effective interest rate on the product

6.34 – 35.89 %
Term
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Loan term for the financial product

2 months – 72 months
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.25
(20 Ratings)
Recommended FinScore™
0
300
650
1000
$500-$4,000
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Effective interest rate on the product

up to 160%
Term
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Loan term for the financial product

9-18 months
Caribou
Refinance
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $45,000
Rate
i

Effective interest rate on the product

up to 36%
Term
i

Loan term for the financial product

up to 72 months
AUTOPAY
Vehicle Purchase
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$2,500-$100,000
Rate
i

Effective interest rate on the product

from 2.99%
Term
i

Loan term for the financial product

up to 96 months
Auto Approve
Auto Lease Purchase
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$7,500-$150,000
Rate
i

Effective interest rate on the product

from 2.94%
Term
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Loan term for the financial product

up to 72 months
Rocket Mortgage
30-Year Fixed
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

6.00 – 6.28 %
Term
i

Loan term for the financial product

5 years – 30 years
Mariner Finance
Home Refinance
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $1,500,000
AmeriSave
Mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $50,000
Rate
i

Effective interest rate on the product

from 5%
Term
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Loan term for the financial product

up to 30 years
New American Funding
30 Year Fixed Mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $50,000
Rate
i

Effective interest rate on the product

from 5%
Term
i

Loan term for the financial product

up to 30 years
PennyMac
Home Purchase Loans
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $50,000
Rate
i

Effective interest rate on the product

from 3%
Term
i

Loan term for the financial product

up to 30 years
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