The Golden 1 Credit Union Rates and Review January 2026
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Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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The Golden 1 Credit Union's 48-Month CD rates are at 3.40%, 12-Month CD rates are at 3.20%. The Golden 1 Credit Union's savings rates are at 0.05%. The Golden 1 Credit Union's money market rates are at 1.00%. The Golden 1 Credit Union's 10-Year ARM rates are at 5.88%, 30-Year Fixed rates are at 6.00%, 15-Year Fixed rates are at 5.38%. The Golden 1 Credit Union's Personal Loan Rates are at 8.89%. The Golden 1 Credit Union's Credit Card Rates are at 13.04%.
Compare The Golden 1 Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of The Golden 1 Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityThe 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 CD rates or 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. Overall, The Golden 1 Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. The Golden 1 Credit Union The Golden 1 Credit Union Corporate Office 8945 Cal Center Dr Sacramento, CA 95826 3239  The Golden 1 Credit Union Deposit Rates
The Golden 1 Credit Union
48-Month CD
3.40%
$500
The Golden 1 Credit Union
12-Month CD
3.20%
$500
The Golden 1 Credit Union
Money Market
1.00%
$10,000
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
The Golden 1 Credit Union Credit Card Rates
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
The Golden 1 Credit Union
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
The Golden 1 Credit Union
Member First VISA
15.040%
No balance transfer fees or annual fees.
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. The Golden 1 Credit Union Personal Loan Rates
The Golden 1 Credit Union
Personal Loan
8.890%
$0
The Golden 1 Credit Union
Credit Starter Loan
16.250%
$0
The Golden 1 Credit Union
Personal Line of Credit
13.040%
$0
The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonBECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are
completed within 90 days of account opening.
Academic VISA® Platinum
10.900%
Visa Signature® Cash Back
17.750%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
12.740%
$0
36
Personal Loans
10.000%
$0
1 - 36
Credit Builder Loan
9.000%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Credit Union Profile & OverviewCredit Union Name: The Golden 1 Credit Union
Website: https://www.golden1.com
Full Time Employees: 2199Part Time Employees: 81 President: Aeisha Mastagni CEO: Donna Bland Branch Locations: 63 ATM Locations: 67 Corporate Office Address:
8945 Cal Center Dr
Sacramento, CA 95826 3239 Phone Number: 916-732-2900 Fax Number: 916-363-7064 FinancialsTotal Assets:
21,083,653,160
Total Amount of Shares and Deposits:
18,938,581,053
Total Shares and Deposits < 1 Year:
17,793,928,306
Total Shares and Deposits 1 3 Years:
935,111,777
Total Shares and Deposits > 3 Years:
209,540,970
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,162,544,262
Total Uninsured Shares and Deposits > $250K (F+J):
1,462,294,262
Total Insured Shares and Deposits > $250K (item 17 less item K):
17,476,286,791
Total Interest Expense (Sum of items 6 8):
322,739,180
Share Certificates:
132,789
Number of Accounts for Share Drafts:
817,204
IRA KEOGH Accounts:
28,958
Number of Accounts for Regular Shares:
1,458,637
Non Member Deposits:
3
Money Market Shares:
108,873
Net Income (unless the amount is already included in Undivided Earnings):
86,557,405
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,355,074,147
Total Liabilities:
19,201,493,993
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsqkLR
December 17, 2025
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Add Your Rating and Review for The Golden 1 Credit Union
Frequently Asked Questions About The Golden 1 Credit UnionIs 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. Is there a first-time homebuyer program?Currently, The Golden 1 Credit Union provides a range of mortgage and home equity products. Is The Golden 1 Credit Union a safe place to deposit money?Yes, The Golden 1 Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does The Golden 1 Credit Union offer online and mobile banking?Most modern institutions like The Golden 1 Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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