|
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 April 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: March 26, 2026
The Golden 1 Credit Union's 0-60 month Term Savings CDs rates are at 4.00%, 60 Month Term Savings CD Account rates are at 3.55%, 48 Month Term Savings CD Account rates are at 3.40%, 36 Month Term Savings CD Account rates are at 3.35%, 24 Month Term Savings CD Account rates are at 3.25%. The Golden 1 Credit Union's savings rates are at 0.05%. The Golden 1 Credit Union's 10-Year SOFR ARM Conforming Purchase rates are at 5.75%, 10-Year SOFR ARM Jumbo Purchase rates are at 5.75%, 7-Year SOFR ARM Jumbo Purchase rates are at 5.62%, 5-Year SOFR ARM Jumbo Purchase rates are at 5.50%, 10-Year SOFR ARM Jumbo Refinance rates are at 6.00%. 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 5.42%. Rates were last updated on 03/26/2026. 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. 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 Home Equity & HELOC
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
2,199
Part-Time Employees
81
Branch Locations
63
ATM Locations
67
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.42%
Return on Assets (ROA)
0.4105%
Return on Equity (ROE)
4.0582%
Non-Performing Loans Ratio (NPL)
0.75%
Total 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
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About The Golden 1 Credit UnionIs The Golden 1 Credit Union a safe place to deposit money?Yes, The Golden 1 Credit Union is considered a safe financial institution. With a Texas Ratio of 5.4238784719923%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Pennsylvania American Water Federal Credit Union
Gulf Coast Federal Credit Union
Concho Valley Credit Union
Sycamore Federal Credit Union
Patriot Federal Credit Union
Mass Bay Credit Union
Police Federal Credit Union Of Connecticut
eCO Credit Union
Cannon Federal Credit Union
St Colman and Affiliates Federal Credit Union
Singing River Federal Credit Union
St Anthony Of Padua Federal Credit Union
Louisiana Federal Credit Union
Kansas Blue Cross Blue Shield Credit Union
East End Baptist Tabernacle Federal Credit Union
Hancock Federal Credit Union
Firefighters Credit Union Onalaska, WI
River Community Credit Union
San Antonio Citizens Federal Credit Union
Appalachian Community Federal Credit Union
PAHO WHO
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
