Golden 1 Credit Union Credit Cards

Golden 1 Credit Union is a leading credit card issuer that offers no-frills personal credit cards for students and folks who need to establish or repair their credit, as well as cards for everyday use. The credit union’s products are rich in rewards and target students, anyone who wants to earn cash back, and people who would like to build their credit. Browse credit cards below.

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About Golden 1 Credit Union

Golden 1 is a leading credit union, with its headquarters in Sacramento, California.

The credit union began as the California State Employees Credit Union in 1933, changing its name to Golden 1 in 1977. The credit union was the first to receive a statewide field of membership in California. This award allowed the union to serve members across the Golden State – something it still does to this day.

Today, Golden 1 is one of the largest credit unions in the United States. The community bank boasts over one million members and $12 billion in assets.

The bank is one of the largest credit unions in the United States. The bank has a history of excellent service to both members and the community. This service excellence includes local sponsorships, such as those with the Sacramento Kings of the NBA.

Locations Served

Golden 1 currently operates throughout the state of California. To date, the bank operates more than 70 local branches and features more than 70,000 ATMs. These ATMs are operated through CO-OP, a cooperative of credit union machines for use by all member credit unions.

Golden 1 has branches in all major California towns and cities, except for some major cities in Southern California. Locations like Orange County and San Diego are still accessible for members, thanks to the CO-OP ATMs.

Most branches are in the Northern California and Bay Areas. The bank’s headquarters of Sacramento has a high concentration of branches, as does San Francisco, Stockton, Folsom, and other locations.

Who Can Join Golden 1 Credit Union?

Membership is less restrictive than many other credit unions. The following individuals are eligible for membership with Golden 1:

  • All California residents
  • Anyone who works in California
  • Non-resident membership is open to the family of current Golden 1 members
  • Members of over 1,000 Select Employee Groups

Becoming a member of Golden 1 requires opening a savings account. Even funding a Golden 1 savings account with just $1 is enough to become a member.

Frequently Asked Questions About Golden 1

  • Credit unions are not FDIC insured. Instead, credit unions are insured through the National Credit Union Administration (NCUA). The NCUA provides up to $250,000 in insurance for member’s accounts. This means that credit unions, while not FDIC insured, are just as safe an option for banking.
  • Yes. Currently, the credit union only has branches in California. The bank does offer membership to eligible non-California residents, but they only have access to mobile and online banking features, and CO-OP ATMs nationwide.
  • Yes. Golden 1 offers excellent credit cards for all credit scores. The Golden 1 Platinum Secured Visa® Card is a quality secured card for building credit. Its interest rates are competitive, and no annual fee is an excellent way to establish a credit history.

More Information

For more information on credit unions, visit the dedicated Credit Unions Credit Cards listing page. This page provides easy access to credit card reviews from leading banks across the country.

The page also offers more information about the value credit unions offer. These perks include some of the lowest interest rates you’ll pay nationwide, rewards like gas, grocery and restaurant rewards, and travel perks.

For those interested in the Golden1 Platinum Secured Card, we also have excellent resources on managing your credit score and building your credit fast. These resources are found on the Credit Needed landing pages: particularly Bad Credit and No Credit, plus our dedicated Secured Credit Cards listings page.

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