Golden 1 Credit Union Review 2024
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At a glance
CDs
Checking
Savings
MMA
About Bankrate Score
Overview
Those who live or work in California and are looking for a reliable credit union with a solid branch footprint and low fees may find Golden 1 a good fit for their banking needs.
Highlights
- Free Checking
- No Monthly Fees
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
Golden 1 Credit Union is one of the largest credit unions in the U.S. and offers members a wide selection of products and services. Membership is open to those who live or work in California. Most accounts require a small amount to open, and many also feature low or no monthly fees.
Pros
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There are no monthly service fees for basic accounts such as Free Checking and Regular Savings.
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Members can access more than 30,000 in-network ATMs and 70 Golden 1 branches, in addition to shared ATMs and branches in the CO-OP network.
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Membership requirements are easy for those living or working in California.
Cons
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Yields are not as attractive as at other top credit unions.
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The money market account doesn’t include check-writing capabilities.
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Golden 1 Credit Union banking products
APY last updated between 5/7 and 5/13.
Golden 1 Credit Union savings overview
Golden 1 also offers Youth Savings, FlexSavings, Santa Saver and Coverdell Education Savings accounts, all of which require low opening deposits.
Pros
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The Regular Savings Account requires just $1 to open.
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There’s no monthly maintenance fee with the Regular Savings Account.
Cons
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You can find a higher APY at many online banks or other financial institutions.
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At least $100,000 is required to earn the top rate, which is still below average.
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See how rates for this account have changed over time. Interact with the trend lines to view APY by date.
Golden 1 Credit UnionAPYAPY last updated between 5/7 and 5/13.APYAPY last updated between 5/7 and 5/13.National average APYHow do we get this data?Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $20 |
| Non-sufficient funds fee | None |
| Account maintenance fees | None |
| Out-of-network ATM fee | $2 |
| Incoming wire transfers | None |
About Golden 1 Credit Union
Golden 1 Credit Union was founded in 1933 and has become one of the largest credit unions in the U.S., with more than 1 million members and over $20 billion in assets. Membership is open to those who live or work in California.
The credit union offers checking accounts, savings accounts, a money market account, CDs and other financial products. Golden 1 is headquartered in Sacramento and has a network of 70 branches.
Customer experience
Branch access. Golden 1 Credit Union has 70 branches in California, plus its members have free access to shared branches in the CO-OP network.
Customer service. Member representatives are available 7:30 a.m. to 6 p.m. PT, Monday-Friday, and 9 a.m. to 5 p.m., on weekends, to answer questions or help with member accounts. If members need extra assistance for navigating account-related problems, they can also contact a specialized Member Advocate Team via email and expect a response within 24 hours.
Highly rated app. The credit union’s mobile app is highly rated on iOS with a 4.7 rating and on Google Play with a 4.5 star rating.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
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