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Golden Circle Credit Union

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Golden Circle Credit Union Rates & Review April 2026

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

Yes, to access services at Golden Circle 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Golden Circle 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: April 24, 2026

Golden Circle Credit Union's Personal Loan Rates are at 5.59%. MonitorBankRates evaluates the financial stability of Golden Circle Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.30%. Rates were last updated on 04/24/2026.

Golden Circle 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 Golden Circle Credit Union? Share your experience about Golden Circle Credit Union by leaving a review below, or read customer reviews before you decide to use Golden Circle Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.30%

Excellent Lower than avg

Golden Circle Credit Union
Massillon

4118 Lincoln Way E
Massillon, OH 44646 3348

https://www.goldencirclecu.com

Golden Circle Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans (Offering clear title for other purposes)	-	-	5.59%
Details As Low As; * Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.30%
Auto Loans (Purchase or Refinance)	-	-	5.59%
Details As Low As; * Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.30%

Golden Circle Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	9.99%
Details As Low As; *; No annual fee. Grace period on purchases Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.30%

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 Golden Circle 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 Golden Circle 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 Golden Circle Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Golden Circle Credit Union

Website https://www.goldencirclecu.com

Address 4118 Lincoln Way E, Massillon, OH 44646 3348

Phone 330-479-3130

Fax 330-479-3132

President William Dixon

CEO Tera Wentling

Full-Time Employees 27

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.30%

Return on Assets (ROA)

0.5523%

Return on Equity (ROE)

3.4684%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

105,114,491

Total Amount of Shares and Deposits

87,897,388

Total Shares and Deposits < 1 Year

84,920,956

Total Shares and Deposits 1 3 Years

2,438,276

Total Shares and Deposits > 3 Years

538,156

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

1,185,991

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

1,185,991

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

86,711,397

Total Interest Expense (Sum of items 6 8)

296,206

Share Certificates

129

Number of Accounts for Share Drafts

2,551

IRA KEOGH Accounts

181

Number of Accounts for Regular Shares

7,974

Non Member Deposits

Money Market Shares

271

Net Income (unless the amount is already included in Undivided Earnings)

634,044

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,371,314

Total Liabilities

89,204,117

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Golden Circle Credit Union

Is Golden Circle Credit Union a safe place to deposit money?

Yes, Golden Circle Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2992602340111%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Golden Circle Credit Union operate?

Golden Circle 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 Golden Circle Credit Union?

Yes, to access services at Golden Circle 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, Golden Circle 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, Golden Circle Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Golden Circle Credit Union offer online and mobile banking?

Most modern institutions like Golden Circle 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.goldencirclecu.com.