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The Golden 1 Credit Union

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The Golden 1 Credit Union Rates & Review October 2026

Q: 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%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 26, 2026

The Golden 1 Credit Union's 9-Month New Money IRA CD rates are at 4.30%, 9-Month New Money Term Savings CD Special rates are at 4.30%, Term Savings CD - 9 Month New Money rates are at 4.30%, 11-Month Jumbo CD rates are at 4.25%, 11-Month Jumbo Term Savings CD Special rates are at 4.25%. The Golden 1 Credit Union's savings rates are at 4.00%. The Golden 1 Credit Union's checking rates are as high as 2.50%. The Golden 1 Credit Union's 7-Year SOFR ARM Jumbo Purchase rates are at 5.88%, 10-Year SOFR ARM Conforming Purchase rates are at 6.12%, Jumbo Purchase 10-Year SOFR ARM rates are at 6.12%, 7-Year SOFR ARM Conforming Purchase rates are at 6.00%, 5-Year SOFR ARM Conforming Purchase rates are at 5.88%. The Golden 1 Credit Union's Personal Loan Rates are as low as 8.74%. The Golden 1 Credit Union's Credit Card Rates are at 11.49%. 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 10/26/2026.

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 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 IRA Certificate	4.22%	4.30%	9 Month
Min Deposit $500 Details New money only (funds not on deposit at Golden 1 in the 30 days prior to opening); can only be opened in-branch or by phone; Limited-time offer Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
9-Month New Money Term Savings Certificate Special	-	4.30%	9 months
Min Deposit $500 Details New money only; must be opened by phone or in-branch; dividends compounded monthly; Limited-time offer Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 9 Month New Money	4.22%	4.30%	9 Month
Min Balance $500 Details New money only; must be opened by phone or in-branch; dividends compounded monthly Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.30% APY · checked 2 times 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 Can only be opened in-branch or by phone; Limited-time offer Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 4.25% APY · checked 4 times 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 Min Balance $100,000 Details 4.25% APY is for balances $100,000+; must be opened by phone or in-branch; dividends compounded monthly Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Jumbo Certificate Special - 11 Month	4.17%	4.25%	11 Month
Min Balance $100,000 Details Jumbo Certificate; APY for balances $100,000+; $100,000 minimum opening deposit; must be opened by phone or in-branch; dividends compounded monthly Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 2 times 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 Details Limited-time offer Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 4.20% APY · checked 4 times 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 Details Dividends compounded monthly Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 17 Month	4.12%	4.20%	17 Month
Min Balance $500 Details Special rate; dividends compounded monthly Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.20% APY · checked 2 times 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 Details Limited-time offer Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 4.10% APY · checked 4 times 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 Details Dividends compounded monthly Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 4 Month	4.02%	4.10%	4 Month
Min Balance $500 Details Special rate; dividends compounded monthly Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 60 Month	3.49%	3.55%	60 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 60 Month	3.49%	3.55%	60 Month
Min Balance $500 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 48 Month	3.35%	3.40%	48 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 48 Month	3.35%	3.40%	48 Month
Min Balance $500 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 36 Month	3.30%	3.35%	36 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 36 Month	3.30%	3.35%	36 Month
Min Balance $500 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 24 Month	3.20%	3.25%	24 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 24 Month	3.20%	3.25%	24 Month
Min Balance $500 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 12 Month	3.15%	3.20%	12 Months
Min Deposit $25 Details Add Funds IRA Certificate Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 18 Month	3.15%	3.20%	18 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 12 Month	3.15%	3.20%	12 Month
Min Balance $500 Details Standard: $500.00; IRA: $25.00 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 18 Month	3.15%	3.20%	18 Month
Min Balance $500 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 6 Month	3.01%	3.05%	6 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 6 Month	3.01%	3.05%	6 Month
Min Balance $500 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Certificate - 3 Month	2.96%	3.00%	3 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Term Savings Certificate - 3 Month	2.96%	3.00%	3 Month
Min Balance $500 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 2 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 Balance: $0.01-$1,000.00; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 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 Balance: $0.01-$1,000.00; Highest yield on balances up to $1,000; Apply for Youth Savings Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Growth Savings Account	-	3.50%
Min Balance $1,000 Details Published APY range: 3.50%-4.00%. Balance: $1,000.01-$2,000.00; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
IRA Savings	-	3.50%
Min Balance $0 Details Balance: $0.01 & over (daily balance); Apply online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 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 Balance: $500,000.00 and over; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Youth Savings Account	-	3.50%
Min Deposit $1 Min Balance $1,000 Details Published APY range: 3.50%-4.00%. Balance: $1,000.01-$2,000.00; Blended APY; Apply for Youth Savings Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 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 Balance: $250,000.00-$499,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Growth Savings Account	-	2.15%
Min Balance $2,000 Details Published APY range: 2.15%-3.50%. Balance: $2,000.01-$5,000.00; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Youth Savings Account	-	2.15%
Min Deposit $1 Min Balance $2,000 Details Published APY range: 2.15%-3.50%. Balance: $2,000.01-$5,000.00; Blended APY; Apply for Youth Savings Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 7 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 Balance: $100,000.00-$249,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 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 Balance: $10,000.00-$49,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 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 Balance: $50,000.00-$99,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Additional Savings Account	0.20%	0.20%
Min Balance $0 Details Balance: $0.01-$9,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Additional Savings Account	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00-$99,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Additional Savings Account	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000.00 and over; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Regular Savings Account	0.20%	0.20%
Min Balance $0 Details Balance: $0.01-$9,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Regular Savings Account	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00-$99,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Regular Savings Account	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000.00 and over; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Santa Saver Savings Account	-	0.20%
Min Deposit $20 Min Balance $0 Details Balance: $0.01 & over (daily balance); Minimum opening deposit $20, or $5 with payroll deduction or automatic transfer; Withdrawals before maturity (October 31) close the account; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 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%. Balance: $5,000.01 and over; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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%. Balance: $5,000.01 and over; Blended APY; Apply for Youth Savings Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Balance: $0.01-$9,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 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 Balance: $500,000.00 and over; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 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 Balance: $250,000.00-$499,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 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 Balance: $100,000.00-$249,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 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 Balance: $10,000.00-$49,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 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 Balance: $50,000.00-$99,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 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 Balance: $0.01-$9,999.99; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

The Golden 1 Credit Union Checking Rates

Product	Rate	APY
MarketRate Checking	2.47%	2.50%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000.00-$499,999.99; Minimum daily balance of $1,000 required to obtain APY; Apply online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 7 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 Balance: $500,000.00 and over; Minimum daily balance of $1,000 required to obtain APY; Apply online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 7 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 Balance: $100,000.00-$249,999.99; Minimum daily balance of $1,000 required to obtain APY; Apply online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 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 Balance: $50,000.00-$99,999.99; Minimum daily balance of $1,000 required to obtain APY; Apply online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 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 Balance: $10,000.00-$49,999.99; Minimum daily balance of $1,000 required to obtain APY; Apply online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.00 and over; Apply online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99; Apply online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 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 Balance: $1,000.00-$9,999.99; Minimum daily balance of $1,000 required to obtain APY; Apply online Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99; Apply online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Premium Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99; Apply online Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 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
7-Year SOFR ARM Jumbo Purchase	5.875%	0.000	6.241%
Details Jumbo Loans 7-Year SOFR ARM; initial rate fixed for first 84 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin Last Updated 10/26/2026 Rate History 3 changes since Sep 18, 2026 · 6.12% → 6.24% ▲ 0.12 pts · high 6.31% / low 6.12% Oct 26, 20266.24%▼ from 6.31% Oct 2, 20266.31%▲ from 6.24% Sep 29, 20266.24%▲ from 6.12% Sep 18, 20266.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
10-Year SOFR ARM Conforming Purchase	6.125%	0.000	6.296%
Details Purchase Rates Conforming and Government Loans; initial rate fixed for first 120 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 6.38% → 6.30% ▼ 0.08 pts · high 6.38% / low 6.30% Oct 26, 20266.30%▼ from 6.38% Oct 13, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Jumbo Purchase 10-Year SOFR ARM	6.125%	0.000	6.296%
Details Purchase Rates Jumbo Loans 10-Year SOFR ARM; Rates as of 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.38% → 6.30% ▼ 0.08 pts · high 6.38% / low 6.30% Oct 26, 20266.30%▼ from 6.38% Oct 19, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
7-Year SOFR ARM Conforming Purchase	6.00%	0.000	6.304%
Details Purchase Rates Conforming and Government Loans; initial rate fixed for first 84 months, then adjusts every six months; indexed to 30-day SOFR with 2.750% margin; rate lock 30 days Last Updated 10/26/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.30% ▲ 0.06 pts · high 6.37% / low 6.25% Oct 26, 20266.30%▼ from 6.37% Oct 13, 20266.37%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
5-Year SOFR ARM Conforming Purchase	5.875%	0.000	6.329%
Details Purchase Rates Conforming and Government Loans; Rates as of 10/23/2026 11:30 AM PT; initial rate fixed for first 60 months, then adjusts every six months; indexed to 30-day SOFR with 2.750% margin Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.38% → 6.33% ▼ 0.05 pts · high 6.38% / low 6.33% Oct 26, 20266.33%▼ from 6.38% Oct 19, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
5-Year SOFR ARM Conforming Refinance	6.125%	0.125	6.439%
Details Refinance Rates Conforming and Government Loans; initial fixed period 60 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; assumed rate lock 45 days and credit score 740 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.49% → 6.44% ▼ 0.05 pts · high 6.49% / low 6.44% Oct 26, 20266.44%▼ from 6.49% Oct 19, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
7-Year SOFR ARM Conforming Refinance	6.25%	0.125	6.443%
Details Refinance; Conforming and Government Loans; initial rate does not change during first 84 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; APR subject to increase after consummation Last Updated 10/26/2026 Rate History 2 changes since Sep 14, 2026 · 6.39% → 6.44% ▲ 0.06 pts · high 6.51% / low 6.39% Oct 26, 20266.44%▼ from 6.51% Oct 19, 20266.51%▲ from 6.39% Sep 14, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
10-Year SOFR ARM Conforming Refinance	6.375%	0.125	6.471%
Details Initial rate fixed for first 120 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; rate lock period 45 days; assumed credit score 740 Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 6.55% → 6.47% ▼ 0.08 pts · high 6.55% / low 6.47% Oct 26, 20266.47%▼ from 6.55% Oct 13, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Jumbo Loans 5-Year SOFR ARM Refinance	6.375%	0.125	6.537%
Details Refinance; 5-Year SOFR ARM, initial rate fixed for first 60 months then adjusts every six months; indexed to 30-day SOFR with 2.750% margin; assumed loan amount $900,000, property value $1,200,000, Sacramento CA, primary residence, 740 credit score, 45-day rate lock Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 6.64% → 6.54% ▼ 0.10 pts · high 6.64% / low 6.54% Oct 26, 20266.54%▼ from 6.64% Oct 13, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Jumbo 10-Year SOFR ARM Refinance	6.625%	0.125	6.637%
Details Initial rate fixed for first 120 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; APR subject to increase after consummation; rate lock 45 days; assumed loan amount $900,000, property value $1,200,000, assumed credit score 740 Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
30-Year Fixed Conforming Purchase	6.875%	-0.250	6.875%	30 years
Details Purchase Rates Conforming and Government Loans; rate lock period 30 days Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 7.00% → 6.88% ▼ 0.13 pts · high 7.00% / low 6.88% Oct 26, 20266.88%▼ from 7.00% Oct 13, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
30-Year Fixed Jumbo Purchase	6.875%	0.125	6.887%	30 years
Details Jumbo purchase rates; rate lock 30 days; assumed credit score 740; loan amount $900,000; estimated property value $1,200,000 Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Jumbo Loans 30-Year Fixed Refinance	7.25%	-0.125	7.25%	30 years
Details Refinance Rates Jumbo Loans 30-Year Fixed Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
30-Year Fixed FHA Purchase	6.875%	-0.125	7.595%	30 years
Details Purchase rate; Rate Details For Purchase Rates Conforming and Government Loans; FHA; Loan amount $300,000; property value $400,000; rate lock 30 days; assumed credit score 740 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 7.60% APR 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
Home Equity Line of Credit 5-Year Fixed-Rate Conversion	6.94%	-	6.94%
Details Minimum loan amount $25,000 and maximum loan amount $700,000 at a 30-year term; assumes 780 credit score, primary residence, 10-year draw period and 20-year repayment period; no annual fee; Early Termination Fee of $500 if closed within three years of opening Last Updated 10/26/2026 Rate History 1 change since Sep 22, 2026 · 7.44% → 6.94% ▼ 0.50 pts · high 7.44% / low 6.94% Oct 19, 20266.94%▼ 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 - 7-Year Fixed-Rate Conversion	7.04%	-	7.04%
Details 7-Year Fixed-Rate Conversion; assumes 780 credit score and primary residence with 10-year draw period and 20-year repayment period; at 30-year term, minimum loan $25,000 and maximum loan $700,000; $500 Early Termination Fee if closed within three years Last Updated 10/26/2026 Rate History 1 change since Oct 9, 2026 · 7.54% → 7.04% ▼ 0.50 pts · high 7.54% / low 7.04% Oct 19, 20267.04%▼ from 7.54% Oct 9, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Line of Credit HELOC VARIABLE RATE	7.125%	-	7.125%
Details Variable rate; changes based on Prime Rate; max APR 18%, min APR 4%; 10-year draw period and 20-year repayment period; loan amount $25,000 minimum to $700,000 maximum; no annual fee; based on 780 credit score and primary residence assumptions Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Line of Credit - 10-Year Fixed-Rate Conversion	7.14%	-	7.14%
Details 10-Year Fixed-Rate Conversion; assumes 780 credit score, primary residence, 10-year draw period and 20-year repayment period; at a 30-year term, minimum loan $25,000 and maximum loan $700,000; variable-rate line with APR based on Prime Rate, minimum 4% and maximum 18% Last Updated 10/26/2026 Rate History 1 change since Oct 9, 2026 · 7.64% → 7.14% ▼ 0.50 pts · high 7.64% / low 7.14% Oct 19, 20267.14%▼ from 7.64% Oct 9, 20267.64%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	7.24%	-	7.24%
Details 15-Year Fixed-Rate Conversion; minimum loan $25,000 and maximum loan $700,000 at a 30-year term; assumes 780 credit score and primary residence with 10-year draw period and 20-year repayment period; variable-rate line of credit, APR may vary with Prime Rate (minimum 4%, maximum 18%) Last Updated 10/26/2026 Rate History 1 change since Oct 9, 2026 · 7.74% → 7.24% ▼ 0.50 pts · high 7.74% / low 7.24% Oct 19, 20267.24%▼ from 7.74% Oct 9, 20267.74%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	7.44%	-	7.44%
Details Fixed-rate conversion option on Golden 1 HELOC; assumes 780 credit score, primary residence, 10-year draw period and 20-year repayment period Last Updated 10/26/2026 Rate History 4 changes since Sep 22, 2026 · 7.44% → 7.44% ▼ 0.00 pts · high 7.54% / low 7.24% Oct 26, 20267.44%▲ from 7.24% Oct 19, 20267.24%▼ from 7.44% Oct 13, 20267.44%▼ from 7.54% Oct 9, 20267.54%▲ from 7.44% 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; Apply online for an auto loan Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Auto	-	-	4.99%
Details As Low As; Apply online for a new auto loan Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Auto	-	-	5.24%
Details As Low As; Apply online for a used auto loan Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 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; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 5 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; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 5 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; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Motorcycle Loan	-	7.24%
Details As Low As; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New RV Loan	-	7.24%
Details As Low As; Not available to refinance an existing Golden 1 RV loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Snowmobile Loan	-	7.24%
Details As Low As; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used RV Loan	-	7.74%
Details As Low As; Not available to refinance an existing Golden 1 RV loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
New Boat Loan	-	7.90%
Details As Low As; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 7.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Jet Ski Loan	-	8.50%
Details As Low As; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Motorcycle Loan	-	8.50%
Details As Low As; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Snowmobile Loan	-	8.50%
Details As Low As; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Used Boat Loan	-	9.25%
Details As Low As; Not available to refinance an existing Golden 1 vehicle loan; Apply Online Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 9.25% APR · checked 5 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 Range: 11.49% - 19.49% APR; $0 annual fee; Regular APR range shown on page; late payment, balance transfer, cash advance and foreign transaction fees apply Last Updated 10/26/2026 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 As Low As; Lowest rate assumes membership of at least seven months; lowest rate for new members is 11.49%; Apply For Personal Loan Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Personal Line of Credit	11.54%
Details As Low As; Lowest rate assumes membership of at least seven months; lowest rate for new members is 13.54%; Apply For Personal Line of Credit Last Updated 10/26/2026 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 credit history; Late payment fee is $15; Apply For Credit Starter Loan Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 16.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Member Cash Rewards+ Loan	-	-	13.49%
Details Range: 13.49% to 22.49% APR; Apply Now Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24% Oct 13, 202613.49%▲ from 13.24% Sep 14, 202613.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Member First Loan	-	-	16.49%
Details Apply Now Last Updated 10/26/2026 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 Range: 11.49% to 19.49% APR; Apply Today Last Updated 10/26/2026 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%
17-Month Coverdell Education Savings Certificate	4.12%	-	4.20%	17 Months
Min Deposit $500 Details Limited-time offer Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 3 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 Details Limited-time offer Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 12 Month	3.15%	-	3.20%	12 Month
Min Deposit $25 Details Add Funds Coverdell Certificate Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 18 Month	3.15%	-	3.20%	18 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 24 Month	3.20%	-	3.25%	24 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 3 Month	2.96%	-	3.00%	3 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 36 Month	3.30%	-	3.35%	36 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 48 Month	3.35%	-	3.40%	48 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 6 Month	3.01%	-	3.05%	6 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Coverdell Education Savings - 60 Month	3.49%	-	3.55%	60 Months
Min Deposit $500 Last Updated 10/26/2026 Rate History No change since Sep 29, 2026 · 3.55% APY · checked 3 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

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 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About The Golden 1 Credit Union

Does The Golden 1 Credit Union offer CDs?

Yes. The Golden 1 Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 4.30% APY on its 9-Month New Money IRA CD, 4.30% APY on its 9-Month New Money Term Savings CD Special and 4.30% APY on its Term Savings CD - 9 Month New Money.

Are CDs from The Golden 1 Credit Union NCUA insured?

Yes. The Golden 1 Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The Golden 1 Credit Union?

The highest CD rate MonitorBankRates has verified for The Golden 1 Credit Union is 4.30% APY on its 9-Month New Money IRA CD, as of October 26, 2026.

What CD terms does The Golden 1 Credit Union offer?

The The Golden 1 Credit Union CD terms MonitorBankRates tracks include 9 month, 11 month, 12 month, 18 month, 2 year and 5 year terms, with rates from 4.25% to 4.30% APY. The institution may offer other terms or specials that are not listed here, so check with The Golden 1 Credit Union for its full lineup.

What is the highest savings rate at The Golden 1 Credit Union?

The highest savings rate MonitorBankRates has verified for The Golden 1 Credit Union is 4.00% APY on its Growth Savings Account, as of October 26, 2026.

What is the highest money market rate at The Golden 1 Credit Union?

The highest money market rate MonitorBankRates has verified for The Golden 1 Credit Union is 3.50% APY on its Money Market Savings Account, as of October 26, 2026.

What is the highest checking rate at The Golden 1 Credit Union?

The highest checking rate MonitorBankRates has verified for The Golden 1 Credit Union is 2.50% APY on its MarketRate Checking, as of October 26, 2026.

What is the lowest 30 year fixed mortgage rate at The Golden 1 Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for The Golden 1 Credit Union is 6.875% rate on its 30-Year Fixed Conforming Purchase, as of October 26, 2026.

What is the lowest auto loan rate at The Golden 1 Credit Union?

The lowest auto loan rate MonitorBankRates has verified for The Golden 1 Credit Union is 4.99% APR on its Cruise California with the right auto loan, as of October 26, 2026.

What is the lowest personal loan rate at The Golden 1 Credit Union?

The lowest personal loan rate MonitorBankRates has verified for The Golden 1 Credit Union is 8.74% APR on its Personal Loan, as of October 26, 2026.

What is the lowest credit card APR at The Golden 1 Credit Union?

The lowest credit card rate MonitorBankRates has verified for The Golden 1 Credit Union is 11.49% APR on its Member Rate Advantage Credit Card, as of October 26, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do The Golden 1 Credit Union rates compare?

The Golden 1 Credit Union's top rates are 4.30% APY on its 9-Month New Money IRA CD, 4.00% APY on its Growth Savings Account, 2.50% APY on its MarketRate Checking, 5.875% on its 7-Year SOFR ARM Jumbo Purchase, 8.74% APR on its Personal Loan and 11.49% APR on its Member Rate Advantage Credit Card, verified by MonitorBankRates on October 26, 2026.

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.

Compare to Other Credit Unions

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

Does The Golden 1 Credit Union offer CDs?

Are CDs from The Golden 1 Credit Union NCUA insured?

What is the highest CD rate at The Golden 1 Credit Union?

What CD terms does The Golden 1 Credit Union offer?

What is the highest savings rate at The Golden 1 Credit Union?

What is the highest money market rate at The Golden 1 Credit Union?

What is the highest checking rate at The Golden 1 Credit Union?

What is the lowest 30 year fixed mortgage rate at The Golden 1 Credit Union?

What is the lowest auto loan rate at The Golden 1 Credit Union?

What is the lowest personal loan rate at The Golden 1 Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do The Golden 1 Credit Union rates compare?

Current The Golden 1 Credit Union Rates

Compare to Other Credit Unions