Golden 1 Credit Union Services and Features for Members

Golden 1 Credit Union offers a wide range of services and features to its members. With over 1 million members, Golden 1 is one of the largest credit unions in the US.

Members can access their accounts online or through the mobile app, which is available for both iOS and Android devices. This allows for easy account management and bill pay from anywhere.

Golden 1 Credit Union has over 70 branches throughout California, making it easily accessible to its members. Members can also access their accounts through over 30,000 ATMs nationwide.

Golden 1 offers a variety of financial products and services, including checking and savings accounts, credit cards, and loans. Members can also take advantage of financial education and planning resources.

Membership in Golden 1 Credit Union is restricted to people who work and live in California. Non-residents may join if they're an immediate family member or registered domestic partner of a current Golden 1 member, or they work for one of nearly 1,000 select employee groups.

To get a Golden 1 auto loan, you don't need to provide a minimum credit score or income requirements, but you will need to apply for preapproval to see their financing offer. This application will ask for details about the vehicle you're interested in, including the make and model, estimated purchase price, down payment, requested loan amount, and payment terms.

The maximum loan amount listed on the credit union's website is $75,000.

To join Golden 1 Credit Union, you need to meet certain requirements. Membership is restricted to people who work and live in California.

You can join if you're an immediate family member or registered domestic partner of a current Golden 1 member, or if you work for one of nearly 1,000 select employee groups.

To get an auto loan, you'll need to apply for preapproval to see Golden 1's financing offer. They don't list minimum credit score or income requirements on their website.

You'll need to fill out an application with details about the vehicle you're interested in, including make and model, estimated purchase price, down payment, requested loan amount, and payment terms.

The maximum loan amount for an auto loan is $75,000.

Programs are an essential part of the membership experience. They offer a range of deposit products, including savings, checking, money market, IRAs, and certificates.

These deposit products earn competitive dividend rates. Our membership can access their deposits through various channels, such as our branch network, ATMs, online, or by calling our member service contact center.

Our branch network is convenient for those who prefer in-person banking. Members can visit any branch to access their deposits.

By calling our member service contact center, members can also access their deposits remotely. This is particularly helpful for those who are unable to visit a branch or use online banking.

To get a membership, you'll need to meet the age requirement of 18 years old.

The membership application process can be completed online or in-person at a designated location.

To apply online, you'll need to create an account on the organization's website and fill out the membership form.

You'll also need to provide proof of age, such as a driver's license or passport.

In-person applications typically require a fee, which varies depending on the type of membership.

You can pay the fee with cash, credit card, or check, but be sure to check the accepted payment methods beforehand.

Golden 1 Credit Union has requirements for membership, but you might be surprised to learn that it's not as strict as you think. Anyone who lives or works in California can join.

To open a membership account, you'll need to provide some basic information, including your name, address, and employment status. This is a straightforward process that can usually be completed online.

Golden 1 Credit Union does not publicly disclose the credit score required for an auto loan, but they do consider credit score, debt-to-income ratio, and other factors when making loan decisions.

Golden 1 Credit Union offers a range of services and features that make it a great choice for its members. The credit union has a strong commitment to its members, with a focus on providing personalized service and support.

With over 860,000 members, Golden 1 Credit Union has a significant presence in the Central Valley region of California. Its membership is open to anyone who lives or works in the state.

Golden 1 Credit Union provides a variety of financial services, including checking and savings accounts, loans, and investment products. Its financial experts are available to help members make informed decisions about their money.

Golden 1 Credit Union offers a wide range of auto loan types to meet your needs. You can finance new and used autos, as well as specialty vehicles like motorcycles, RVs, ATVs, and watercraft.

Their options include new autos, used autos, preapproval, refinancing from another lender, and more. You can even finance up to 100% of the purchase price for new and used autos and specialty vehicles, up to a maximum of $75,000.

If you're in the market for a used car, Golden 1 has a partnership with Enterprise Car Sales, which has 22 dealerships across California. You can choose from over 250 makes and models and receive a free CARFAX vehicle history report.

Here's a breakdown of the auto loan types offered by Golden 1:

Golden 1 Credit Union does not have a specific daily ATM withdrawal limit. However, your withdrawal limit may be determined by factors such as your account type, account balance, and recent transaction history.

If you need to withdraw a large amount of cash, it's recommended to contact Golden 1 Credit Union directly to inquire about your specific limits or to request a higher withdrawal limit if necessary.

You can visit their website or reach out to them to get the most up-to-date and accurate information about your ATM withdrawal limit.

Having a clear plan for paying off debt can be a huge weight off your shoulders. My auto loan is set to be paid in full this month on February 20, 2023.

Having a balance less than your payment amount can lead to overpayment, but it's also a sign that you're making progress. Not only will the regular total amount be withdrawn and applied to the less-than balance, but future payments will also be automatically withdrawn unless you take action.

It's worth noting that canceling future payments can be a bit of a hassle, but it's doable. Upon going into the branch, you'll need to fill out a cancellation document, which can be a challenge if the bank employee is not familiar with the process.

Golden 1 Credit Union has some great features that might make it a good option for car buyers. One of the biggest advantages is that you can get same-day preapproval for a loan, which can give you a lot of peace of mind when shopping for a new vehicle.

The credit union also offers loans for various recreational and specialty vehicles, which can be a big plus if you're in the market for something unusual. You can even apply for a loan without becoming a member, but you'll need to become a member and open a savings account to get the loan approved and funded.

One thing to keep in mind is that Golden 1 Credit Union has some restrictions on membership. You can only join if you work or live in California, which might limit its appeal to people who live elsewhere.

The credit union doesn't publicly disclose its credit score requirements, which can make it harder to know whether you'll qualify for a loan.

Golden 1 customer service can be inconsistent, with some customers reporting rude and unhelpful representatives.

The bank's website and apps can be difficult to use, but their customer service team is often very responsive.

Long wait times at branches are a common complaint, with some customers waiting in lines of 10-15 people.

Customer service can make or break a customer's experience. In some cases, Golden 1's representatives have been responsive to issues, but in others, they've been unhelpful.

A 40-dollar fee was the reason for one customer's account being closed, but they weren't informed about it. This lack of communication led to frustration and a negative experience.

Golden 1's website and apps have been described as not the friendliest to use, but their customer service has been responsive when issues arise.

Some customers have reported difficulty with payment types and online banking, which can be a major issue for those who rely on these services.

In one instance, a customer's account was closed without explanation, and they had to wait over a week for a check to be sent to them.

After years of complaining online and contacting customer service, a change was finally made at the Sunrise Blvd. location. The addition of a 4th teller this month has reduced wait times significantly.

Lines 10-15 members long have been the norm for way too long at this location. The tellers themselves are nice, but corporate seems to have been ignoring the issue.

The customer's frustration has been ongoing, with multiple complaints filed over the years. The dates of their experiences show a pattern of consistent problems: December 04, 2024, November 30, 2024, September 04, 2023, April 02, 2024, and February 28, 2023.

Golden 1 Credit Union Reviews are available, but keep in mind that the credit union is not responsible for ensuring all posts and questions are answered.

Reviews from users can be found, but they are not provided, reviewed, or endorsed by Golden 1 Credit Union.

You can get answers to your questions about Golden 1 Credit Union, but editorial and user-generated content is not provided by the credit union.

Golden 1 Credit Union offers a range of financial tools and resources to help you manage your auto loan and make informed decisions.

You can use the Best Auto Loan Rates section to compare rates and find the best deal for your situation.

The Auto Refinance Rates section can help you determine if refinancing your auto loan is a good option.

Golden 1 Credit Union's Auto Payment Calculator allows you to estimate your monthly payments and see how different loan terms can affect your budget.

The Car Affordability Calculator helps you determine how much car you can afford based on your income and other financial factors.

To get started with Golden 1 Credit Union's auto loan services, you can visit their website or stop by a branch in person.

Here are some key tools and resources to keep in mind: