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
Exceptional service
Prudent financial management
Broad array of financial solutions
Community involvement
Requirements
To become a member of Golden 1 Credit Union, you must meet the following requirements:
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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.
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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.
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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:
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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.
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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.
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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.
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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:
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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.
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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.
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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.
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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.
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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:
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Credit Union National Association (CUNA). CUNA is a national trade association representing credit unions across the United States and advocating on their behalf.
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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.
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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.
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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.
