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Golden 1 Credit Union

Golden 1 Credit Union is the largest California-based credit union by assets, offering a wide range of financial services including checking, savings, mortgages, and HELOCs. Membership is available to any California resident or employee, as well as their immediate family members and domestic partners. The institution is known for providing significant support for first-time homebuyers and local students through specialized loan programs and substantial scholarship investments.

Last verified today
What it offers
  • Members can access over 30,000 free ATMs nationwide through the Golden 1 and CO-OP networks.
  • Homebuyers can apply for various mortgage types including jumbo, FHA, and adjustable-rate loans with down payments as low as 3%.
  • Users can manage money market accounts that offer tiered interest rates ranging from 0.05% to 1.50% based on account balance.
  • Borrowers can secure a Home Equity Line of Credit (HELOC) with a maximum loan-to-value ratio of 80% and fixed-rate options.
  • Students can apply for renewable scholarships worth up to $5,000 per year toward higher education costs.
Standout features
70 California branch locations24/7 phone supportNo monthly service fees on basic accountsJumbo loan specializationGreat Place To Work® Certified
Fees and rates

While basic accounts have no monthly service fees and low minimum opening deposits, members should be aware of expensive overdraft fees and a $100 minimum for money market accounts.

Background

Golden 1 is a Sacramento-based credit union currently led by President and CEO Donna Bland.

What's new
  1. 2026-09-14New profile

    Golden 1 Credit Union added to the directory

    Golden 1 Credit Union is the largest California-based credit union by assets, offering a wide range of financial services including checking, savings, mortgages, and HELOCs. Membership is available to any California resident or employee, as well as their immediate family members and domestic partner

    businessinsider.com
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