Golden 1 Credit Union
About Golden 1 Credit Union
Golden 1 Credit Union is one of the largest credit unions in the United States and one of California’s best-known member-owned financial institutions. Its history began in 1933, when 11 California state employees organized California State Employees’ Credit Union #1 in Sacramento. The organization adopted The Golden 1 Credit Union name in 1977 and has since expanded its eligibility and services across California.
Golden 1 operates as a not-for-profit financial cooperative. It provides checking and savings accounts, credit cards, auto loans, personal loans, mortgages, home equity products, business banking, digital banking, financial education, and related financial services. Golden 1 also operates branches, Home Loan Centers, Financial Resource Centers, and a large network of fee-free ATM access.
As of 2026, Golden 1 reports more than 1.2 million members, over $22 billion in assets, and more than 2,000 employees throughout California. Earlier 2026 official releases reported more than 1.1 million members and over $21 billion in assets, reflecting continued growth during the year. Golden 1 is a California state-chartered, federally insured credit union.
Quick Information
Corporate Phone Number
1-877-465-3361
Also written as:
1-877-GOLDEN 1
Customer Service Number
1-877-465-3361
Member Service Contact Center hours:
Monday to Friday: 7:30 AM to 6:00 PM Pacific Time
Saturday: 9:00 AM to 5:00 PM Pacific Time
International alternative:
1-916-732-2900
Corporate Office Address
Golden 1 Credit Union
8945 Cal Center Drive
Sacramento, CA 95826
United States
Headquarters Address
Golden 1 Credit Union
8945 Cal Center Drive
Sacramento, CA 95826
United States
Golden 1’s current official help resources identify this address as its headquarters. The California Department of Financial Protection and Innovation also lists the credit union at this Sacramento address.
Golden 1 does not publish one general unsecured email address for all member-account questions.
Members can use secure messaging through Online Banking.
Business Services: BusinessServices@golden1.com
Phishing Reports: reportphishing@golden1.com
Media Relations: mediarelations@golden1.com
Industry
Credit Union, Banking, Financial Services, Consumer Lending, Mortgages, Business Banking and Financial Education
Founded
1933
Golden 1 was originally founded as California State Employees’ Credit Union #1.
Number of Employees
More than 2,000 employees
Golden 1 currently reports more than 2,000 employees throughout California.
Number of Members
More than 1.2 million members
Golden 1’s July 2026 company update reported that membership had grown beyond 1.2 million.
Total Assets
More than $22 billion
Golden 1 reported assets exceeding $22 billion in July 2026.
Corporate Office Hours
Golden 1 does not publish standard public walk-in hours for its corporate headquarters.
For member assistance:
Monday to Friday: 7:30 AM to 6:00 PM PT
Saturday: 9:00 AM to 5:00 PM PT
Individual branch hours vary.
Website
Investor Relations
Not applicable in the traditional public-company sense.
Golden 1 Credit Union is a member-owned, not-for-profit credit union, not a publicly traded corporation.
Careers Page
https://www.golden1.com/discoverg1/careers
Golden 1 offers opportunities in branch operations, lending, technology, finance, compliance, audit, human resources, marketing, administration, home loans, and its Member Service Contact Center.
Golden 1 Credit Union Products & Services
Golden 1 provides personal and business financial products designed for consumers and businesses throughout California. Its services combine traditional branch banking with online and mobile banking, lending, cards, financial education, and specialized member-support programs.
Checking Accounts
Golden 1 provides checking-account options for everyday money management.
Available accounts can include standard checking, higher-yield checking, youth and student options, and specialized packages for qualifying members.
Savings Accounts
Golden 1 offers savings products designed for short-term and long-term financial goals.
Options can include regular savings, specialized savings accounts, and products designed to earn dividends.
Money Market Savings
Money Market Savings accounts are available for members who want to maintain savings while potentially earning higher rates based on account terms and balances.
Certificates
Golden 1 offers certificate accounts with fixed terms and dividend rates.
Available terms and promotional rates can change, so members should review the current rate schedule before opening an account.
Individual Retirement Accounts
Retirement savings options are available for members who want tax-advantaged ways to prepare for retirement.
Eligibility, contribution limits, and tax treatment depend on applicable law and the type of account selected.
Credit Cards
Golden 1 offers Visa credit cards for qualifying members.
Products vary by rewards, rates, credit requirements, and other features.
Debit Cards
Eligible checking accounts include debit-card access for purchases and ATM transactions.
Members can also use card-management tools through Golden 1’s digital banking services.
Auto Loans
Golden 1 provides financing for qualifying new and used vehicle purchases.
Members can also explore refinancing options for existing auto loans.
Personal Loans
Personal lending products are available for qualified members.
These loans may be used for eligible personal expenses and are subject to credit approval and loan terms.
Personal Lines of Credit
Golden 1 offers qualifying members access to personal lines of credit.
A line of credit can provide reusable borrowing capacity up to an approved limit.
Home Loans
Golden 1 offers mortgage products for home purchases and refinancing.
Its Home Loan team can assist members with applications, rates, preapprovals, and current mortgage options.
First-Time Homebuyer Programs
Golden 1 provides homeownership resources and specialized assistance for qualifying buyers.
Its On My Way Homeownership Program can provide eligible borrowers with assistance toward down payment and closing costs.
Mortgage Refinancing
Members may be able to refinance an existing mortgage to change their interest rate, loan term, or monthly payment.
Approval depends on credit, property, income, equity, and current underwriting requirements.
Home Equity Loans
Golden 1 provides products that allow qualified homeowners to borrow against available home equity.
Terms, rates, loan limits, and property requirements vary.
Home Equity Lines of Credit
A home equity line of credit can provide qualified borrowers with revolving access to funds secured by their property.
Golden 1 also offers related servicing and payment-assistance resources.
Business Checking
Golden 1 provides business banking products for qualifying California businesses.
Business checking is supported through a dedicated Business Member Support Center.
Business Savings
Businesses can maintain eligible savings products through Golden 1.
Business membership requirements and account terms apply.
Business Lending and Services
Golden 1 has continued expanding business services to support California businesses and economic opportunity.
Business products and eligibility vary according to the specific financial need.
Online Banking
Members can use Golden 1 Online Banking to review accounts, transfer money, make payments, manage products, and perform other eligible transactions.
Mobile Banking
Golden 1’s mobile banking services support account access, transfers, payments, mobile check deposit, and other self-service features.
Mobile Deposit
Eligible members can deposit checks through the Golden 1 mobile app.
Current digital banking resources allow mobile deposits subject to applicable limits and account eligibility.
Bill Pay
Golden 1 provides online bill payment services.
Members can schedule one-time and recurring payments to participating billers.
Telephone Teller
Members can access automated banking by telephone through:
1-877-465-3361, Option 2
The Telephone Teller service can be used day or night with the required PIN.
Financial Resource Centers
Golden 1 operates Financial Resource Centers that combine traditional financial services with financial education and one-on-one coaching.
In 2026, the credit union continued expanding these services at selected California branches.
Financial Coaching
Golden 1 provides free educational resources and individualized financial coaching at participating Financial Resource Centers.
Topics may include budgeting, credit building, debt management, homeownership, and financial planning.
ATM Access
Golden 1 members have access to thousands of fee-free ATMs through its network arrangements.
The credit union currently promotes access to approximately 30,000 fee-free ATMs nationwide.
Golden 1 Credit Union Corporate Phone Numbers
Golden 1 publishes a detailed telephone directory for personal banking, business banking, cards, home loans, mortgage servicing, hardship assistance, and other member needs.
Corporate Phone Number
1-877-465-3361
Also:
1-877-GOLDEN 1
This is Golden 1’s main member and general-inquiry contact.
Corporate Headquarters Number
Golden 1 does not publish a separate public headquarters switchboard distinct from its primary member-support system.
Use:
1-877-465-3361
Headquarters Number
1-877-465-3361
Corporate Office Number
1-877-465-3361
Customer Service Number
1-877-465-3361
Member Service Contact Center
1-877-465-3361
Hours:
Monday to Friday: 7:30 AM to 6:00 PM PT
Saturday: 9:00 AM to 5:00 PM PT
International Member Service Number
1-916-732-2900
Golden 1 publishes this number if the toll-free Member Service Contact Center number is unavailable internationally.
Business Member Support Number
1-877-909-5656
Hours:
Monday to Friday: 8:30 AM to 6:00 PM PT
Saturday: 10:00 AM to 2:00 PM PT
International Business Support Number
1-916-733-5656
Business Services Email
Lost or Stolen Credit Card Number
1-877-465-3361
This number is available 24 hours a day, 7 days a week for reporting lost or stolen Golden 1 cards.
Emergency Visa Card Replacement
1-800-847-2911
Also:
1-800-VISA-911
Unauthorized Credit Card Charges
1-877-465-3361
Card Management Technical Support
1-888-999-0126, Option 5
This number is used for card-management and application technical support.
Home Loans Number
1-800-917-9000
This number can be used to apply for a home loan, check current rates, inquire about a loan in process, or connect with a Home Loan Advisor.
Hours:
Monday to Friday: 7:00 AM to 6:00 PM
Saturday: 9:00 AM to 5:00 PM
Sunday: 10:00 AM to 2:00 PM
Mortgage Servicing Number
1-888-908-8933
Hours:
Monday to Friday: 6:00 AM to 6:00 PM
This number is for mortgage-account information, payments, and servicing questions.
Mortgage Loss Mitigation Number
1-866-397-5370
Hours:
Monday to Friday: 8:00 AM to 5:00 PM
This line is intended for members experiencing financial hardship involving a Golden 1 mortgage.
Member Care / Hardship Assistance Number
1-877-723-3010
Hours:
Monday to Friday: 8:00 AM to 6:00 PM PT
Saturday: 9:00 AM to 2:00 PM PT
Consumer Loan Loss Mitigation Number
1-844-670-9545
This number serves members facing difficulty making payments on eligible auto loans, personal loans, lines of credit, credit cards, and home equity products.
Telephone Teller Number
1-877-465-3361, Option 2
Telephone Teller is available for automated account access.
Fraud Reporting Number
1-877-465-3361
Golden 1 directs members to this number for suspected fraudulent activity and unauthorized transactions.
Phishing Reporting Number
1-877-465-3361
Phishing Reporting Email
Golden 1 advises members to forward suspicious emails and screenshots of suspicious text messages to this address.
Sales Number
Golden 1 does not publish one universal telephone number labeled specifically as a Sales line.
Members should use the relevant lending, business, mortgage, or Member Service number depending on the product.
Support Number
1-877-465-3361
Billing Number
Golden 1 does not publish one universal Billing Department number.
Payment questions should be directed to the relevant credit-card, loan, mortgage, or Member Service department.
Regional Office Number
Golden 1 does not publish one universal regional office telephone number.
Members should contact the specific branch or use the Member Service Contact Center.
Branch Office Number
Individual Golden 1 branches have their own local contact information and operating hours.
Branch Locator:
https://www.golden1.com/locations
International Number
1-916-732-2900
For Business Services internationally:
1-916-733-5656
Emergency / After-Hours Number
For lost or stolen Golden 1 cards:
1-877-465-3361
This service is available 24/7 for lost or stolen card reporting.
Investor Relations Number
Not applicable.
Golden 1 is a member-owned credit union and does not have conventional public shareholders.
Media / Press Number
916-732-2806
Golden 1’s current corporate fact sheet identifies this number with its Community Impact and Public Relations leadership.
Media / Press Email
Golden 1’s current newsroom directs media inquiries to this address.
Human Resources Number
Golden 1 does not publish one universal HR phone number for all applicants.
Employment opportunities should be accessed through:
https://www.golden1.com/discoverg1/careers
Reservations / Booking Number
Not applicable.
Golden 1 is a financial institution and does not operate a conventional reservation service.
Golden 1 Routing Numbers
Personal Banking Routing Number
321175261
This routing number applies to Golden 1 Personal Banking and sole proprietorship accounts.
Business Services Routing Number
121182852
This routing number applies to Golden 1 Business Services accounts.
How to Reach a Real Person at Golden 1 Credit Union
Members who need live assistance should call 1-877-GOLDEN 1, or 1-877-465-3361. The Member Service Contact Center is open Monday through Friday from 7:30 AM to 6:00 PM Pacific Time and Saturday from 9:00 AM to 5:00 PM Pacific Time. International callers who cannot access the toll-free line can use 1-916-732-2900. Members should have appropriate identity-verification information available, but Golden 1 warns that it will never unexpectedly ask for a one-time passcode, account password, code word, or complete card or account details.
If the first representative cannot resolve the problem, Golden 1 provides a Member Advocate Team for members who have already tried to resolve an issue but still feel unsupported. Members can use Golden 1’s official Email Us form and select Problem to request assistance from an advocate, who the credit union says will reach out by the next business day, excluding holidays.
Golden 1 Credit Union Headquarters & Corporate Office Address
Golden 1 Credit Union’s current headquarters is:
Golden 1 Credit Union
8945 Cal Center Drive
Sacramento, CA 95826
United States
Golden 1’s current Help Center explicitly identifies this address as its headquarters. The California Department of Financial Protection and Innovation also lists Golden 1 Credit Union at the same address.
Sacramento Corporate Headquarters
Golden 1 Credit Union
8945 Cal Center Drive
Sacramento, CA 95826
United States
The Sacramento headquarters supports executive leadership, administration, compliance, audit, technology, lending, marketing, member service, human resources, finance, business services, and other organization-wide functions.
Headquarters for Legal Process
Golden 1 specifically identifies:
8945 Cal Center Drive
Sacramento, CA 95826
as its headquarters and designated Sacramento-area location for service of qualifying civil legal process.
Overnight Shipment Address
Golden 1 Credit Union
8945 Cal Center Drive
Sacramento, CA 95826
Golden 1’s official Contact page instructs members to use this address for overnight shipments.
General Mailing Address
Golden 1 Credit Union
P.O. Box 15966
Sacramento, CA 95852-0966
United States
This mailing address is used for new accounts and general inquiries.
Credit Card Payment Address
Golden 1 Credit Union
P.O. Box 15318
Sacramento, CA 95851-0318
Loan and Home Equity Payment Address
Golden 1 Credit Union
P.O. Box 15249
Sacramento, CA 95851-0249
First Mortgage Payment Address
Golden 1 Credit Union
P.O. Box 7168
Pasadena, CA 91109-7168
Vehicle Insurance Mailing Address
Golden 1 Credit Union
P.O. Box 15151
Sacramento, CA 95851-0151
Golden 1 publishes separate mailing addresses because the correct destination depends on the type of payment or document being sent.
Credit Report Dispute Address
Golden 1 Credit Union
Attn: Credit Report Dispute
P.O. Box 279740
Sacramento, CA 95827-9740
Members disputing Golden 1 loan information reported to a credit bureau should use the credit union’s formal written dispute process.
Branch Network
Golden 1 operates a statewide California network of branches, Home Loan Centers, and Financial Resource Centers.
In early 2026, the credit union reported approximately 70 Branch, Financial Resource Center, and Home Loan Center locations statewide, with additional expansion continuing during the year.
Branch Locator:
https://www.golden1.com/locations
How to File a Complaint Against Golden 1 Credit Union
Members who have a complaint involving an account, loan, credit card, transaction, branch experience, online banking, fraud claim, mortgage, business account, fees, or another Golden 1 service should collect all relevant information before beginning the complaint process. Keep account-related documents, transaction dates, receipts, screenshots, previous case numbers, letters, and the names of representatives already contacted. Do not include passwords, one-time passcodes, PINs, Social Security numbers, or unnecessary sensitive account details in ordinary email or feedback forms.
Step 1: Contact Golden 1 Member Service
Start by contacting Golden 1’s Member Service Contact Center at 1-877-465-3361. Explain the problem clearly and provide only the account-verification information requested through the official support channel. The representative may be able to resolve transaction questions, account-access issues, card concerns, loan questions, or branch-related problems immediately. Ask for a case or reference number when available and note the representative’s name and the date of the conversation. Keep a record of any promised follow-up or corrective action.
Step 2: Use Golden 1’s Member Advocate Team
If ordinary Member Service does not resolve the complaint, use Golden 1’s official Email Us form and select the Problem option. Golden 1 specifically states that its Member Advocate Team is available when a member has already attempted to resolve an issue but does not feel supported or heard. Provide a concise chronology of the issue, identify the account or product category, and mention any previous case numbers without including sensitive credentials. Golden 1 says an advocate will reach out by the next business day, excluding holidays. Save confirmation of your submission and copies of any response.
Step 3: Use the Specialized Dispute Process When Required
Certain complaints have formal procedures that should be followed instead of relying only on a general complaint. Unauthorized transactions can be disputed through Online Banking, Mobile Banking, a branch, or Member Service. Credit-reporting disputes involving Golden 1 loans must be submitted in writing with supporting documentation to Golden 1 Credit Union, Attn: Credit Report Dispute, P.O. Box 279740, Sacramento, CA 95827-9740. Mortgage hardship and consumer-loan hardship issues also have dedicated assistance lines. Using the correct specialized process can help ensure the complaint reaches the department legally responsible for reviewing it.
Step 4: Send Formal Correspondence to Golden 1
For a serious unresolved complaint requiring formal written escalation, correspondence can be mailed to Golden 1 Credit Union, P.O. Box 15966, Sacramento, CA 95852-0966. For overnight correspondence, use 8945 Cal Center Drive, Sacramento, CA 95826. Include your name, contact details, relevant account or loan information in a secure and appropriate form, previous case numbers, important dates, and a chronological explanation of the issue. Clearly state the resolution you are requesting and include copies rather than originals of supporting documentation. Keep copies of everything sent and proof of delivery where available.
Step 5: Use the Appropriate Regulatory Complaint Process if Necessary
Golden 1 is a California state-chartered credit union regulated at the state level by the California Department of Financial Protection and Innovation, and its deposits are federally insured through the National Credit Union Administration. If a qualifying complaint remains unresolved, members can review the complaint processes provided by DFPI and the NCUA Consumer Assistance Center. The correct regulator can depend on the specific issue, and NCUA may refer matters outside its jurisdiction to the appropriate state or federal agency. Before submitting an external complaint, organize correspondence, statements, case numbers, transaction records, and details of the efforts already made with Golden 1.
