Golden 1 Credit Union

Golden 1 Credit Union is a state-chartered credit union headquartered in Sacramento, California. It is one of the largest credit unions in California and in the United States, with a history dating back to 1933. The credit union was originally established to serve state government employees but has expanded its membership eligibility broadly over the years.

Golden 1 is a member-owned, not-for-profit financial cooperative insured by the National Credit Union Administration up to $250,000 per depositor. As a cooperative, it does not distribute profits to outside shareholders, and its goal is to provide competitive rates and member-focused financial services.

Membership is open to anyone who lives or works in California, as well as employees of qualifying organizations. This broad eligibility makes Golden 1 accessible to most California residents. Family members of existing members can also join.

Golden 1 commonly offers checking and savings accounts, auto loans, mortgages, personal loans, and credit cards. Its auto loan rates are frequently cited as competitive within California, and it offers both new and used vehicle financing. Its mortgage products cover purchase and refinance transactions. Golden 1 also offers credit cards, including cashback and low-interest options.

The credit union operates a large network of branches throughout California, with significant presence in the Sacramento region, the Bay Area, and Southern California. It also provides full-service online and mobile banking, including a mobile app. Members can access ATMs through a large surcharge-free network.

California residents looking for an alternative to a traditional bank should compare Golden 1's products with other available options. Membership is straightforward for most California residents to obtain.