What are the current interest rates at The Golden 1 Credit Union?

Current rates for The Golden 1 Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.20%, 24-Month CD: 3.25%, 60-Month CD: 3.55%, Savings: 4.00%

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The Golden 1 Credit Union

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The Golden 1 Credit Union Rates & Review October 2026

Q: Is a member application needed to join The Golden 1 Credit Union?

Yes, to access services at The Golden 1 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, The Golden 1 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 and Verified: October 9, 2026

The Golden 1 Credit Union's top rates as of October 9, 2026 are 4.30% APY on its 9 Month New Money CD Special, 4.00% APY on savings, 2.50% APY on checking, 6.00% on its 5-Year SOFR ARM Purchase Rate mortgage, personal loans from 8.74% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other The Golden 1 Credit Union CD rates include 9-month New Money CD at 4.30%, 9-Month New Money IRA CD at 4.30%, and 9-Month New Money Term Savings CD at 4.30%. Other The Golden 1 Credit Union mortgage rates include Jumbo Loans 5-Year SOFR ARM at 6.12%, Jumbo Loans 5-Year SOFR ARM at 6.62%, and 30-Year Fixed Conforming Purchase at 6.99%. MonitorBankRates evaluates the financial stability of The Golden 1 Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.50%. Rates last updated and verified on 10/09/2026.

The Golden 1 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 The Golden 1 Credit Union? Share your experience about The Golden 1 Credit Union by leaving a review below, or read customer reviews before you decide to use The Golden 1 Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.50%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

The Golden 1 Credit Union
The Golden 1 Credit Union Corporate Office

8945 Cal Center Dr
Sacramento, CA 95826-3239

https://www.golden1.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

The Golden 1 Credit Union CD Rates

Product	Rate	APY	Term
9 Month New Money Certificate Special	4.22%	4.30%	9 Month
Min Balance $500 Details New Money Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
9-month New Money Certificate	-	4.30%	9 months
Min Deposit $500 Details Limited-time offer. Must be opened by phone or in-branch with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
9-Month New Money IRA Certificate	4.22%	4.30%	9 Month
Min Deposit $500 Details This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
9-Month New Money Term Savings Certificate	4.22%	4.30%	9 Month
Min Deposit $500 Details This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
11 Month Jumbo Certificate Special	4.17%	4.25%	11 Month
Min Balance $100,000 Details Jumbo Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
11-Month Jumbo Certificate	4.17%	4.25%	11 Months
Min Deposit $100,000 Details The special 11-month Jumbo Certificate can only be opened in-branch or by phone. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
11-month Jumbo Term Savings Certificate Special	-	4.25%	11 months
Min Deposit $100,000 Details For balances $100,000+. Must be opened by phone or in-branch. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
17 Month Certificate Special	4.12%	4.20%	17 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
17-Month IRA Certificate	4.12%	4.20%	17 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
17-month Term Savings Certificate special	-	4.20%	17 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
19 Month IRA Certificate	4.07%	4.15%	19 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
4 Month Certificate Special	4.02%	4.10%	4 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
4 Month IRA Certificate	4.03%	4.10%	4 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
4 Month Term Savings Certificate	4.03%	4.10%	4 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
4-Month IRA Certificate	4.02%	4.10%	4 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
4-month Term Savings Certificate special	-	4.10%	4 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
60 Month Certificate	3.49%	3.55%	60 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
60 Month IRA Certificate	3.49%	3.55%	60 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
60 Month Term Savings Certificate	3.49%	3.55%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
48 Month Certificate	3.35%	3.40%	48 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
48 Month IRA Certificate	3.35%	3.40%	48 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
48 Month Term Savings Certificate	3.35%	3.40%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
36 Month Certificate	3.30%	3.35%	36 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
36 Month IRA Certificate	3.30%	3.35%	36 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
36 Month Term Savings Certificate	3.30%	3.35%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
24 Month Certificate	3.20%	3.25%	24 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
24 Month IRA Certificate	3.20%	3.25%	24 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
24 Month Term Savings Certificate	3.20%	3.25%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
12 Month Certificate	3.15%	3.20%	12 Month
Min Balance $500 Details IRA:$25.00 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
12 Month Term Savings Certificate	3.15%	3.20%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
18 Month Certificate	3.15%	3.20%	18 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
18 Month IRA Certificate	3.15%	3.20%	18 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
18 Month Term Savings Certificate	3.15%	3.20%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
6 Month Certificate	3.01%	3.05%	6 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
6 Month IRA Certificate	3.01%	3.05%	6 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
6 Month Term Savings Certificate	3.01%	3.05%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
3 Month Certificate	2.96%	3.00%	3 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
3 Month IRA Certificate	2.96%	3.00%	3 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
3 Month Term Savings Certificate	2.96%	3.00%	3 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Savings Rates

Product	Rate	APY
Growth Savings Account	3.93%	4.00%
Min Balance $0 Details Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Youth Savings Account	3.93%	4.00%
Min Deposit $1 Min Balance $0 Details Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Dividend rates are variable and subject to change monthly after the account is opened. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Growth Savings Account	2.96%	3.50%
Min Balance $1,000 Details Published APY range: 3.50%-4.00%. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Savings	-	3.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	3.45%	3.50%
Min Deposit $100 Min Balance $500,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Youth Savings Account	2.96%	3.50%
Min Deposit $1 Min Balance $1,000 Details Published APY range: 3.50%-4.00%. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Dividend rates are variable and subject to change monthly after the account is opened. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	2.47%	2.50%
Min Deposit $100 Min Balance $250,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Growth Savings Account	1.24%	2.15%
Min Balance $2,000 Details Published APY range: 2.15%-3.50%. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Youth Savings Account	1.24%	2.15%
Min Deposit $1 Min Balance $2,000 Details Published APY range: 2.15%-3.50%. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Dividend rates are variable and subject to change monthly after the account is opened. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	1.49%	1.50%
Min Deposit $100 Min Balance $100,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	1.00%	1.00%
Min Deposit $100 Min Balance $10,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	1.00%	1.00%
Min Deposit $100 Min Balance $50,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Additional Savings Account	0.20%	0.20%
Details There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY). Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Regular Savings Account	0.20%	0.20%
Details There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY). Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Santa Saver Savings Account	-	0.20%
Min Deposit $5 Min Balance $0 Details If you withdraw any part of your Santa Saver Account before the maturity date (October 31), the entire account must be closed and will remain closed until the opening period (November 1) begins for the following year's Santa Saver Account. Upon maturity (October 31), the funds will automatically be transferred to your Golden 1 Regular Savings Account or checking account on November 1. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Growth Savings Account	0.10%	0.10%
Min Balance $5,000 Details Published APY range: 0.10%-2.15%. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Youth Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $5,000 Details Published APY range: 0.10%-2.15%. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Dividend rates are variable and subject to change monthly after the account is opened. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings Account	3.45%	3.50%
Min Deposit $100 Min Balance $500,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	2.47%	2.50%
Min Deposit $100 Min Balance $250,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	1.49%	1.50%
Min Deposit $100 Min Balance $100,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	1.00%	1.00%
Min Deposit $100 Min Balance $10,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	1.00%	1.00%
Min Deposit $100 Min Balance $50,000 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Money Market Savings Account	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Checking Rates

Product	Rate	APY
Market Rate Checking Account	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Market Rate Checking Account	2.47%	2.50%
Min Balance $500,000 Details Balance: $500,000.00+ Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
MarketRate Checking	2.47%	2.50%
Min Deposit $25 Min Balance $250,000 Details Rates are variable and may change after the account is opened. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
MarketRate Checking	2.47%	2.50%
Min Deposit $25 Min Balance $500,000 Details Rates are variable and may change after the account is opened. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Market Rate Checking Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
MarketRate Checking	1.49%	1.50%
Min Deposit $25 Min Balance $100,000 Details Rates are variable and may change after the account is opened. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Market Rate Checking Account	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
MarketRate Checking	0.75%	0.75%
Min Deposit $25 Min Balance $50,000 Details Rates are variable and may change after the account is opened. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Market Rate Checking Account	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
MarketRate Checking	0.50%	0.50%
Min Deposit $25 Min Balance $10,000 Details Rates are variable and may change after the account is opened. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.15%	0.15%
Min Deposit $25 Min Balance $100,000 Details A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Market Rate Checking Account	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
MarketRate Checking	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Details Rates are variable and may change after the account is opened. A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Details A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.05%	0.05%
Min Deposit $25 Min Balance $10,000 Details A minimum daily balance of $1,000 is required in the account each day to obtain the APY. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5-Year SOFR ARM Purchase Rate	6.00%	0.000	6.303%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Jumbo Loans 5-Year SOFR ARM	6.125%	0.000	6.352%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Jumbo Loans 5-Year SOFR ARM	6.625%	0.125	6.562%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
30-Year Fixed Conforming Purchase	6.99%	0.125	7.724%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.23% → 7.72% ▲ 0.50 pts · high 7.72% / low 7.23% Oct 9, 20267.72%▲ from 7.23% Sep 18, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC VARIABLE RATE	7.44%	-	7.44%
Details 5-YEAR FIXED-RATE CONVERSION Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Line of Credit 7-YEAR FIXED-RATE CONVERSION	7.54%	-	7.54%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 7.44% → 7.54% ▲ 0.10 pts · high 7.54% / low 7.44% Oct 9, 20267.54%▲ from 7.44% Sep 22, 20267.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Line of Credit 10-YEAR FIXED-RATE CONVERSION	7.64%	-	7.64%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 7.44% → 7.64% ▲ 0.20 pts · high 7.64% / low 7.44% Oct 9, 20267.64%▲ from 7.44% Sep 22, 20267.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Line of Credit 15-YEAR FIXED-RATE CONVERSION	7.74%	-	7.74%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 7.44% → 7.74% ▲ 0.30 pts · high 7.74% / low 7.44% Oct 9, 20267.74%▲ from 7.44% Sep 22, 20267.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Line of Credit 20-YEAR FIXED-RATE CONVERSION	7.94%	-	7.94%	20-year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Auto Loan Rates

Product	Rate	Points	APR
Cruise California with the right auto loan	-	-	4.99%
Details As low as 4.99% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Auto	-	-	4.99%
Details As low as 4.99% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Auto	-	-	5.24%
Details As low as 5.24% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New All-Terrain or Utility Terrain Vehicle Loan	-	-	7.24%
Details As low as 7.24% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used All-Terrain Vehicle or Utility Terrain Vehicle Loan	-	-	8.50%
Details As low as 8.50% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Jet Ski loans	-	7.24%
Details As low as 7.24% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Motorcycle Loan	-	7.24%
Details As low as 7.24% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New RV Loan	-	7.24%
Details As low as 7.24% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 RV loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Snowmobile Loan	-	7.24%
Details As low as 7.24% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used RV Loan	-	7.74%
Details As low as 7.74% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 RV loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Boat Loan	-	7.90%
Details As low as 7.90% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Jet Ski Loan	-	8.50%
Details As low as 8.50% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Motorcycle Loan	-	8.50%
Details As low as 8.50% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Snowmobile Loan	-	8.50%
Details As low as 8.50% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Boat Loan	-	9.25%
Details As low as 9.25% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Golden 1 vehicle loan. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Credit Card Rates

Product	Rate	APR	View More
Member Rate Advantage Credit Card	-	11.49%
Details Published APR range: 11.49% - 19.49%. 0% annual fee; Competitive APR; Zero liability from fraud; 24/7 Roadside Dispatch; Pair with Mobile Wallets; Credit monitoring with Credit Sense; Easy management with the Golden 1 Mobile App; Contactless payments for speed and convenience Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 13.49% / low 11.24% Oct 9, 202611.49%▼ from 13.49% Sep 29, 202613.49%▲ from 11.24% Sep 18, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	8.74%
Details The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Personal Line of Credit	11.54%
Details The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 13.54%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.29% → 11.54% ▲ 0.25 pts · high 11.54% / low 11.29% Oct 9, 202611.54%▲ from 11.29% Sep 14, 202611.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Starter Loan	-	-	16.25%
Details Rates vary with amount financed, term and your credit history. Late payment fee is $15. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Member Cash Rewards+ Loan	-	-	13.24%
Details Published APR range: 13.24% to 22.24%. APR may vary and is subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Member First Loan	-	-	16.49%
Details APR may vary and is subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.24% → 16.49% ▲ 0.25 pts · high 16.49% / low 16.24% Oct 9, 202616.49%▲ from 16.24% Sep 14, 202616.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Member Rate Advantage Loan	-	-	11.49%
Details Published APR range: 11.49% to 19.49%. APR may vary and is subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24% Oct 9, 202611.49%▲ from 11.24% Sep 14, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
11-month Jumbo Certificate	-	-	4.25%	11 months
Min Deposit $100,000 Details Must be opened by phone or in-branch. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
12 Month IRA Certificate	3.15%	-	3.20%	12 Months
Min Deposit $25 Details The minimum opening deposit for an IRA certificate or Coverdell Education Savings account is $500, except for the 7-month term, which is $25. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
19 Month Coverdell Education Savings Certificate	4.07%	-	4.15%	19 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
4-Month Coverdell Education Savings Certificate	4.02%	-	4.10%	4 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	3.15%	-	3.20%	12 Month
Min Deposit $25 Details The minimum opening deposit for an IRA certificate or Coverdell Education Savings account is $500, except for the 12-month term, which is $25. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	4.03%	-	4.10%	4 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	4.12%	-	4.20%	17 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	2.96%	-	3.00%	3 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	3.01%	-	3.05%	6 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	3.15%	-	3.20%	18 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	3.20%	-	3.25%	24 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	3.30%	-	3.35%	36 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	3.35%	-	3.40%	48 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings	3.49%	-	3.55%	60 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

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.

Financial Health History

The Golden 1 Credit Union’s Texas Ratio rose from 3.92% in Q3 2023 to 5.50% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$22.2B	5.50%	5.0	A+
March 31, 2026	$21.7B	4.78%	5.0	A+
December 31, 2025	$21.5B	5.63%	5.0	A+
September 30, 2025	$21.1B	5.04%	5.0	A+
June 30, 2025	$20.6B	4.77%	5.0	A+
March 31, 2025	$20.3B	4.29%	5.0	A+
December 31, 2024	$19.6B	5.47%	5.0	A+
September 30, 2024	$19.6B	4.75%	5.0	A+
June 30, 2024	$19.3B	4.69%	5.0	A+
March 31, 2024	$20.5B	4.00%	5.0	A+
December 31, 2023	$21.1B	4.72%	5.0	A+
September 30, 2023	$20.5B	3.92%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for The Golden 1 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 The Golden 1 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 The Golden 1 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Golden 1 Credit Union

Website https://www.golden1.com

Address 8945 Cal Center Dr, Sacramento, CA 95826-3239

Phone 916-732-2900

Fax 916-363-7064

President Aeisha Mastagni

CEO Donna Bland

Full-Time Employees 2,420

Part-Time Employees 65

Branch Locations 64

ATM Locations 63

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.50%

Return on Assets (ROA)

0.2584%

Return on Equity (ROE)

2.6085%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

22,150,941,430

Total Amount of Shares and Deposits

19,886,397,904

Total Shares and Deposits < 1 Year

18,697,355,431

Total Shares and Deposits 1 3 Years

1,053,802,613

Total Shares and Deposits > 3 Years

135,239,860

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

1,371,148,164

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

1,670,898,164

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

18,215,499,740

Total Interest Expense (Sum of items 6 8)

184,908,254

Share Certificates

133,162

Number of Accounts for Share Drafts

836,658

IRA KEOGH Accounts

28,778

Number of Accounts for Regular Shares

1,497,832

Non Member Deposits

Money Market Shares

117,223

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

57,237,083

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,774,045,081

Total Liabilities

20,169,052,149

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

The Golden 1 Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About The Golden 1 Credit Union

How many branches does The Golden 1 Credit Union operate?

The Golden 1 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 The Golden 1 Credit Union?

Yes, to access services at The Golden 1 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, The Golden 1 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, The Golden 1 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does The Golden 1 Credit Union offer online and mobile banking?

Most modern institutions like The Golden 1 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.golden1.com.

Current The Golden 1 Credit Union Rates

12-Month CD3.20%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.55%
Savings4.00%

Retrieved from our database of financial products. Rates subject to change.

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The Golden 1 Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The Golden 1 Credit Union Texas Ratio

The Golden 1 Credit Union Health Trend

The Golden 1 Credit Union CD Rates

The Golden 1 Credit Union Savings Rates

The Golden 1 Credit Union Money Market Rates

The Golden 1 Credit Union Checking Rates

The Golden 1 Credit Union Mortgage Rates

The Golden 1 Credit Union Home Equity & HELOC

The Golden 1 Credit Union Auto Loan Rates

The Golden 1 Credit Union RV, Boat and Powersport Loan Rates

The Golden 1 Credit Union Credit Card Rates

The Golden 1 Credit Union Personal Loan Rates

The Golden 1 Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

The Golden 1 Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The Golden 1 Credit Union

How many branches does The Golden 1 Credit Union operate?

Is a member application needed to join The Golden 1 Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Golden 1 Credit Union offer online and mobile banking?

Current The Golden 1 Credit Union Rates

Compare to Other Credit Unions