The Golden 1 Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 Term Savings CD Account rates are at 3.55%, Term Savings CD Account 19 Month rates are at 3.55%, Term Savings CD Account rates are at 3.40%, Term Savings CD Account rates are at 3.35%, Term Savings CD Account rates are at 3.25%. The Golden 1 Credit Union's 15-Year Fixed Conforming Purchase rates are at 6.00%, 30-Year Fixed Mortgage rates are at 5.38%, 30-Year Fixed Mortgage rates are at 5.50%, 15-Year Fixed Jumbo Purchase rates are at 6.12%, 30-Year Fixed Mortgage rates are at 5.49%.
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 by leaving a review below, or read customer reviews before you decide to use . The Golden 1 Credit Union Texas RatioThe Golden 1 Credit Union's Texas Ratio is at 5.42%, which is considered excellent. The Texas Ratio for The Golden 1 Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that The Golden 1 Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
The Golden 1 Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, The Golden 1 Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
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 Checking Rates
The Golden 1 Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates 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 & 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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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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