Credit union · NCUA insured
Golden 1 Credit Union
Top CarrotA $21.7B credit union, the 9th largest of 4,329, headquartered in Sacramento, CA, with 1.2 million members and 63 branches in California. Best rates: CDs 4.30% and savings 1.00% APY.
Golden 1 Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#8 of 35 in Sacramento, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Golden 1 Credit Union
Golden 1 Credit Union invests in and partners with organizations supporting California communities.
- Headquarters
- 8945 Cal Center Dr, Sacramento, CA 95826-3239
- NCUA charter
- 61650
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All Californians can join Golden 1 Credit Union.
Cost to join
- Opening a Regular Savings account establishes membership at Golden 1.
Branches
63 branches in California
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California
63 branches
Sacramento area · 32
- The Golden 1 Credit Union Corporate OfficeMain office8945 Cal Center Dr, Sacramento, CA 95826Directions
- Auburn2248 Grass Valley Hwy, Auburn, CA 95603Directions
- Carmichael4005 Manzanita Ave Ste 60, Carmichael, CA 95608Directions
- Sunrise5901 Sunrise Blvd, Citrus Heights, CA 95610Directions
- Davis508 2nd St Ste 101, Davis, CA 95616Directions
- El Dorado Hills4311 Town Center Blvd Ste 400, El Dorado Hills, CA 95762Directions
- Elk Grove8469 Elk Grove Blvd, Elk Grove, CA 95758Directions
- Elk Grove Commons9600 Bruceville Rd Ste 102, Elk Grove, CA 95757Directions
- Vineyard8405 Elk Grove Florin Rd Ste 40, Elk Grove, CA 95624Directions
- Folsom1117 E Bidwell St, Folsom, CA 95630Directions
- Folsom Ranch3230 E Bidwell St Ste 140, Folsom, CA 95630Directions
- Lincoln415 S State Highway 65 Ste B, Lincoln, CA 95648Directions
- Placerville3966 Missouri Flat Rd # 0, Placerville, CA 95667Directions
- Rancho Cordova11099 Olson Dr Ste 3, Rancho Cordova, CA 95670Directions
- Roseville1701 Santa Clara Dr Ste 120, Roseville, CA 95661Directions
- Roseville Pleasant Grove741 Pleasant Grove Blvd Ste 100, Roseville, CA 95678Directions
- Arden Town515 La Sierra Dr, Sacramento, CA 95864Directions
- CSU Sacramento7770 College Town Dr, Sacramento, CA 95826Directions
- Center Branch670 J St, Sacramento, CA 95814Directions
- Cosumnes Branch and Financial Resource Center8241 Bruceville Rd Ste D-100, Sacramento, CA 95823Directions
- Elkhorn5337 Elkhorn Blvd, Sacramento, CA 95842Directions
- Financial Resource Center - Del Paso Heights3725 Marysville Blvd, Sacramento, CA 95838Directions
- I-5/Florin1330 Florin Rd, Sacramento, CA 95831Directions
- Land Park2018 Sutterville Rd Ste 112, Sacramento, CA 95822Directions
- Med Center2360 Stockton Blvd, Sacramento, CA 95817Directions
- North Natomas3280 Arena Blvd Ste 710, Sacramento, CA 95834Directions
- Point West Center1301 Exposition Blvd, Sacramento, CA 95815Directions
- Promenade7465 Rush River Dr Ste 110, Sacramento, CA 95831Directions
- Senator1109 L St, Sacramento, CA 95814Directions
- Southgate4430 Florin Rd Ste 1, Sacramento, CA 95823Directions
- West Sacramento772 Ikea Ct, West Sacramento, CA 95605Directions
- Woodland1801 E Gibson Rd Ste D, Woodland, CA 95776Directions
Fresno area · 6
- Clovis1030 Shaw Ave, Clovis, CA 93612Directions
- Fig Garden6040 N Figarden Dr, Fresno, CA 93722Directions
- Fresno Nees2970 E Nees Ave, Fresno, CA 93720Directions
- Shaw111 E Shaw Ave, Fresno, CA 93710Directions
- Madera Branch and Financial Resource Center1934 Howard Rd, Madera, CA 93637Directions
- Oakhurst40044 Highway 49 Ste C2, Oakhurst, CA 93644Directions
San Luis Obispo area · 3
- Atascadero8727 El Camino Real, Atascadero, CA 93422Directions
- Paso Robles128 Niblick Rd, Paso Robles, CA 93446Directions
- San Luis Obispo852 E Foothill Blvd, San Luis Obispo, CA 93405Directions
Vallejo area · 3
- Fairfield1380 Holiday Ln Ste D, Fairfield, CA 94534Directions
- Vacaville196 Nut Tree Pkwy Ste L, Vacaville, CA 95687Directions
- Vallejo766 Admiral Callaghan Ln, Vallejo, CA 94591Directions
Stockton area · 3
- Stockton5302 Pacific Ave, Stockton, CA 95207Directions
- Stockton-Morada4321 E Morada Ln, Stockton, CA 95212Directions
- Tracy3202 W Grant Line Rd, Tracy, CA 95304Directions
Modesto area · 2
- Modesto2001 McHenry Ave Ste F, Modesto, CA 95350Directions
- Turlock2450 Geer Rd, Turlock, CA 95382Directions
San Francisco area · 2
- Uptown Oakland2251 Broadway, Oakland, CA 94612Directions
- Mission Bay1560 3rd St Ste B, San Francisco, CA 94158Directions
Bakersfield area · 1
- Bakersfield4106 California Ave Ste 1, Bakersfield, CA 93309Directions
Chico area · 1
- Chico239 W 2nd St Ste 1, Chico, CA 95928Directions
Santa Maria area · 1
- Santa Barbara5676 Calle Real, Goleta, CA 93117Directions
Hanford area · 1
- Hanford109 W 8th St, Hanford, CA 93230Directions
Jackson area · 1
- Jackson12120 Industry Blvd Ste 31, Jackson, CA 95642Directions
Napa area · 1
- Napa300 Soscol Ave, Suite C, Napa, CA 94559Directions
Riverside area · 1
- Ontario2254 S Euclid Ave Ste A, Ontario, CA 91762Directions
Redding area · 1
- Redding1040 E Cypress Ave Ste A, Redding, CA 96002Directions
Salinas area · 1
- Westridge1273 N Davis Rd, Salinas, CA 93907Directions
San Jose area · 1
- San Jose2 Pierce Ave Ste B, San Jose, CA 95110Directions
Susanville area · 1
- Susanville2942 Main St, Susanville, CA 96130Directions
Yuba City area · 1
- Yuba City1282 Stabler Ln Ste 640, Yuba City, CA 95993Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.91% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.80% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.53% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio9.91%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.80%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Golden 1 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.