Your new Golden 1 membership

Members get more — free services, lower loan rates, higher savings yields.

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Thank you for financing your vehicle with Golden 1 Credit Union.

As a new member, you now belong to one of the nation’s leading credit unions, where we stand behind each of our one million members.

How do we support our members? Our commitment centers around members, not shareholder profits — so we can offer lower interest rates on loans and pay higher yields on savings.

Charging lower fees, for example, through low-fee or no-fee checking, saves members more than $10 million per year. And in 2018 we provided $14.5 million in rebates to our members for their everyday purchases through our Platinum Rewards Credit Card.

In addition to direct member benefits, credit unions like Golden 1 help vitalize the economy. A recent study showed that we generated an $876 million impact to our local economy and supported more than 5,000 jobs.

Welcome. You’re now a member, and you deserve nothing less.

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One million strong

One of the nation’s largest credit unions — and we stand behind every member.

Community partners

Dedicated to supporting more than 50 organizations statewide.

Ease & convenience

All the banking services you need — more convenience, no hassles.

Up to 3% rebates

No annual fee and generous rebates with your Platinum Rewards Visa® card.

24/7 mobile banking

On the go? Take your Golden 1 accounts with you, using our secure mobile apps.

Higher yields

Earn more on your savings with no monthly fees. Start with as little as $1.

The credit union difference: We work for you!

Pay less interest on loans and earn higher yields on savings. As a credit union, we don’t report to shareholders. We’re owned by our members. And that makes a big difference in saving you money.


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Up to 3% cash rebates

Get up to 3% cash rebates1 on your gas, grocery, and restaurant purchases with your Golden 1 Platinum Rewards Credit Card — and 1% cash rebates1 on all other purchases. We offer low rates2 — with NO annual fees or balance transfer fees.3


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1 Cash rebates are available on qualified net purchases (less credits, returns and adjustments), excluding cash advances and balance transfers. Accounts in default under the terms of the agreement forfeit all accumulated rebates. To receive a rebate, the primary cardholder must be an active member and maintain a Golden 1 Regular Savings Account with the required minimum balance . Please see our Disclosure of Account Information for other terms and conditions. Rebate not available on Platinum Secured, any equity card products, or any affinity cards. 3% cash rebate does not include wholesale clubs or eating establishments such as quick-service restaurants. Credit card accounts closed prior to their monthly closing statement date forfeit all unpaid rebates earned during the prior period. We reserve the right to change or discontinue this program. 2 Annual Percentage Rate (APR) 7.79% to 13.79%. Subject to approval based on creditworthiness or qualifications.

3 Other fees apply. Cash advance fee is either $5 or 2.5% of the amount of each cash advance, whichever is greater. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.

See Pricing & Terms. All credit cards are subject to approval.

View Credit Card Account Agreements.