What are the current interest rates at Gold Credit Union?

Current rates for Gold Credit Union include: 12-Month CD: 3.60%, MMA: 3.65%

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Gold Credit Union Rates & Review May 2026

Q: How many branches does Gold Credit Union operate?

Gold Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Gold Credit Union?

Yes, to access services at Gold Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Gold Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gold Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 10, 2026

Gold Credit Union's 8 Month CD Special rates are at 3.85%, 13 Month CD Special rates are at 3.60%. Gold Credit Union's money market rates are at 3.65%. Gold Credit Union's Personal Loan Rates are at 3.25%. MonitorBankRates evaluates the financial stability of Gold Credit Union with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.83%. Rates were last updated on 05/10/2026.

Gold Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gold Credit Union? Share your experience about Gold Credit Union by leaving a review below, or read customer reviews before you decide to use Gold Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

3.83%

Excellent Lower than avg

Gold Credit Union
Lehigh Division

4703 Hamilton Blvd
Allentown, PA 18103

https://www.goldcu.org

Gold Credit Union CD Rates

Product	Rate	APY	Term
8 Month Share Certificate Special	-	3.85%	8
Details IRA eligible. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
13 Month Share Certificate Special	-	3.60%	13
Details IRA eligible. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Gold Credit Union Money Market Rates

Product	Rate	APY
Money Market Special	-	4.00%
Details for the first six months. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%
Elevate Money Market	-	3.65%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Gold Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC	-	-	4.99%
Details Intro rate expires: 6 months; Regular APR: As Low As; 7.00% with autopay from a United checking account. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Gold Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	3.25%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Gold Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Gold Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Gold Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gold Credit Union

Website https://www.goldcu.org

Address 4703 Hamilton Blvd, Allentown, PA 18103

Phone 484-223-4200

Fax 484-223-4250

President Erin Henry

CEO Cheryl Bartholomew

Full-Time Employees 32

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.83%

Return on Assets (ROA)

-1.2778%

Return on Equity (ROE)

-18.3881%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

138,745,636

Total Amount of Shares and Deposits

130,160,830

Total Shares and Deposits < 1 Year

119,668,331

Total Shares and Deposits 1 3 Years

6,982,285

Total Shares and Deposits > 3 Years

3,510,214

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,986,955

Total Uninsured Shares and Deposits > $250K (F+J)

3,986,955

Total Insured Shares and Deposits > $250K (item 17 less item K)

126,173,875

Total Interest Expense (Sum of items 6 8)

574,735

Share Certificates

2,721

Number of Accounts for Share Drafts

3,998

IRA KEOGH Accounts

169

Number of Accounts for Regular Shares

9,471

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,378,893

Total Liabilities

131,358,217

Source: NCUA — Last Updated 03/31/2024

2026 MBR Health & Safety Badge

Gold Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Gold Credit Union

How many branches does Gold Credit Union operate?

Gold Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Gold Credit Union?

Yes, to access services at Gold Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Gold Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gold Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gold Credit Union offer online and mobile banking?

Most modern institutions like Gold Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.goldcu.org.