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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 The Golden 1 Credit Union Rates & Review September 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 31, 2026
The Golden 1 Credit Union's 13 Month Jumbo CD rates are at 4.20%, 13-Month Jumbo CD rates are at 4.20%, 13-month Jumbo Term Savings CD rates are at 4.20%, 10 Month New Money rates are at 4.15%, 10-Month New Money IRA CD rates are at 4.15%. The Golden 1 Credit Union's savings rates are at 0.05%. The Golden 1 Credit Union's 7-Year SOFR ARM Jumbo Purchase rates are at 5.50%, 5-Year SOFR ARM Purchase rates are at 5.50%, 7-Year SOFR ARM Conforming Purchase rates are at 5.88%, 5-Year SOFR ARM rates are at 5.75%, 5-Year SOFR ARM rates are at 6.00%. The Golden 1 Credit Union's Personal Loan Rates are at 8.74%. 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 4.78%. Rates last updated and verified on 08/31/2026. 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. The Golden 1 Credit Union
The Golden 1 Credit Union Corporate Office 8945 Cal Center Dr
https://www.golden1.com Sacramento, CA 95826-3239 
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 Auto Loan Rates
The Golden 1 Credit Union Personal Loan Rates
Financial Health HistoryThe Golden 1 Credit Union’s Texas Ratio rose from 3.51% in Q2 2023 to 4.78% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 & 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
2,328
Part-Time Employees
69
Branch Locations
63
ATM Locations
62
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.78%
Return on Assets (ROA)
0.1122%
Return on Equity (ROE)
1.1281%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
21,737,187,207
Total Amount of Shares and Deposits
19,512,113,883
Total Shares and Deposits < 1 Year
18,425,062,754
Total Shares and Deposits 1 3 Years
961,457,265
Total Shares and Deposits > 3 Years
125,593,864
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,246,016,482
Total Uninsured Shares and Deposits > $250K (F+J)
1,545,766,482
Total Insured Shares and Deposits > $250K (item 17 less item K)
17,966,347,401
Total Interest Expense (Sum of items 6 8)
95,532,124
Share Certificates
129,439
Number of Accounts for Share Drafts
833,413
IRA KEOGH Accounts
28,780
Number of Accounts for Regular Shares
1,490,494
Non Member Deposits
3
Money Market Shares
114,136
Net Income (unless the amount is already included in Undivided Earnings)
24,382,831
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)
1,513,834,449
Total Liabilities
19,788,938,578
Source: NCUA — Last Updated 03/31/2026
Customer ReviewsqkLR
December 17, 2025
NRug
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Frequently Asked Questions About The Golden 1 Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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