Credit union · NCUA insured
Golden 1 Credit Union Credit Card Rates
Top CarrotGolden 1 Credit Union credit cards start at 11.49% APR on purchases, after any introductory rate. Rates checked October 30, 2026.
How Golden 1 Credit Union’s credit card rates compare
Ongoing purchase APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
Golden 1 Credit Union
11.49%APR
- Up to
- 19.49% APR
Member Rate Advantage
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Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Member Cash Rewards+
Golden 1 does not currently offer new credit to those living outside of California (military service members residing in CA but temporarily out of state accepted). Applicants under 21 with insufficient income must apply at a branch or by phone. $0 annual fee. Balance transfer and cash advance fee is either $5 or 3% of the amount of the transaction, whichever is greater. Foreign transaction fee is up to 1%. Credit limit $5,000–$30,000. If approved for limit lower than $5,000, may be offered Member Cash Rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–22.49% | None | Variable APR. Annual Percentage Rate (APR) may vary and is subject to change. $0 annual fee. Credit limit $5,000–$30,000. |
Sources (3)
- golden1.com/credit-cards
- golden1.com/credit-cards/member-cash-rewards-plus
- golden1.com/manage-accounts/all-rates
All captured Oct 30, 2026
Member First
Secured credit card requiring a refundable security deposit between $250 and $3,000, which determines credit limit. Golden 1 does not currently offer new credit to those living outside of California (military service members residing in CA but temporarily out of state accepted). Applicants under 21 with insufficient income must apply at a branch or by phone. $0 annual fee. Balance transfer and cash advance fee is either $5 or 3% of the amount of the transaction, whichever is greater. Foreign transaction fee is up to 1%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49% | None | Annual Percentage Rate (APR) may vary and is subject to change. $0 annual fee. Secured by refundable deposit between $250 and $3,000 which sets the credit limit. |
Sources (3)
All captured Oct 30, 2026
Member Rate Advantage
Golden 1 does not currently offer new credit to those living outside of California (military service members residing in CA but temporarily out of state accepted). Applicants under 21 with insufficient income must apply at a branch or by phone. $0 annual fee. Balance transfer and cash advance fee is either $5 or 3% of the amount of the transaction, whichever is greater. Foreign transaction fee is up to 1%. Credit limit $500–$30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49%–19.49% | None | Variable APR. Annual Percentage Rate (APR) may vary and is subject to change. $0 annual fee. Credit limit $500–$30,000. |
Sources (3)
- golden1.com/credit-cards
- golden1.com/credit-cards/member-rate-advantage
- golden1.com/manage-accounts/all-rates
All captured Oct 30, 2026
Golden 1 Credit Union credit card score
76
Credit card score
Higher than 42% of U.S. banks and credit unions
- Purchase APRPurchase APR11.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join Golden 1 Credit Union
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.
Membership information collected October 5, 2026.