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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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Showing 3 Cards

Date Reviewed: August 01, 2019

Golden 1 Platinum Secured Visa® Card

Golden 1 Platinum Secured Visa® Card
  • Regular Purchase APR 13.79% variable based on the Prime Rate
  • Balance Transfer APR 13.79% variable based on the Prime Rate
  • Cash Advance APR 13.79% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Funds used for deposit will earn dividends
  • Credit limit: $250 to $3000
  • Low APR
Rates & Fees
  • Regular Purchase APR: 13.79% variable based on the Prime Rate
  • Balance Transfer APR: 13.79% variable based on the Prime Rate
  • Cash Advance APR: 13.79% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1.4% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $250
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 01, 2019

Golden 1 Platinum Rewards for Students Visa® Card

Golden 1 Platinum Rewards for Students Visa® Card
  • Regular Purchase APR 13.79% variable based on the Prime Rate
  • Balance Transfer APR 13.79% variable based on the Prime Rate
  • Cash Advance APR 13.79% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 3% cash rebate on gas, grocery, and restaurant purchases
  • 1% cash rebate on all other purchases
  • Up to $2,000 credit limit
Rates & Fees
  • Regular Purchase APR: 13.79% variable based on the Prime Rate
  • Balance Transfer APR: 13.79% variable based on the Prime Rate
  • Cash Advance APR: 13.79% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1.4% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 01, 2019

Golden 1 Platinum Rewards Visa® Card

Golden 1 Platinum Rewards Visa® Card
  • Regular Purchase APR 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 3% cash rebate on gas, grocery, and restaurant purchases
  • Earn 1% cash rebate on all other purchases
  • Extremely low APR for a personal credit card
Rates & Fees
  • Regular Purchase APR: 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 2.5% of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1.4% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

 

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

Is Golden 1 FDIC insured?

  • 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.

Is Golden 1 only in California?

  • 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.

Are Golden 1 credit cards good?

  • 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.