Golden solutions for student finances – built for your firsts, backed for your future
The first day on campus hits different.
You have a half-full coffee and a head full of questions. "Where’s my next class? Did I pay all my fees? Where can I get more coffee?"
Whether you’re just starting out or already deep in the college grind, Golden 1 Credit Union is here to help you handle your money like a pro. We’re not just about banking – we’re about making life easier.
Money moves – start smart, stay in control
Student Checking1
No fees, no drama. Student Checking is made for California students ages 13–24. It has no monthly fees, no minimum deposit, and a mobile app so you can check on your money or use it anytime. It’s the perfect way to start building financial independence.
Growth Savings2
Start small, save big. With Growth Savings,you’ll earn high returns when your balance is under $1,000 – so your money works harder from day one. No big deposit needed, and it’s perfect for reaching goals like saving for a new laptop or a spring break trip.
Financial wellness center
Learn at your pace, on your terms. Our free* online hub includes podcasts, videos, and interactive tools that break down budgeting, credit, and more. Think of it as your financial GPS: no jargon, no judgment.
Build credit now – future you will thank you
Credit Starter Loan
Ready to build credit without the stress? Our Credit Starter Loan is designed to help you establish a strong credit history safely. With low rates and no collateral required, you can start small and grow smart.
Credit Sense
Use Credit Sense,a free* tool in the Golden 1 mobile app, that monitors your credit score, sends alerts, and gives you personalized tips to improve. It’s like having a credit coach in your pocket.
Your college life – fund dreams and protect what matters
Golden 1 Scholarships
We award renewable scholarships that can add up to $20,000 over four years. Whether you’re a first-generation student or balancing school and work, our scholarship program is here to help. Applications are open around the end of the year through January 31.
College Ave Student Loans
Need help covering tuition, housing, meals? College Ave offers flexible, no-fee student loans with a simple 3-minute application.
CalKIDs Partnership
Eligible students can get up to $1,500 in free college savings through CalKIDs. Golden 1 is proud to help families unlock these funds and plan for the future.
Cinch Home Services
Protect your tech – laptops, tablets, gaming systems, and more – with affordable repair or replacement coverage. No age or model restrictions. No stress.
SpringFour Resources
SpringFour connects you with local resources to help you stay on track. Types of assistance can include:
- Employment and financial counseling
- Rental resources and utility cost assistance
- Transportation
- Savings on food, health care, and childcare
Your perks – enjoy the ride
CashBack+ rewards3
Get rewarded for everyday spending. With G1 Rewards CashBack+, you can earn instant, unlimited cashback at your favorite retailers, online or in person. No hoops, just savings.
Exclusive member benefits
Score discounts on Sacramento Kings tickets, amusement parks, travel, and more. Because being smart with money shouldn’t mean missing out on fun.
Balancing work, school, and life
We see you – juggling classes, shifts, side hustles, and maybe even diapers. College isn’t one-size-fits-all, and neither is your financial journey. We’ve got tools to help you budget around your paychecks. set savings goals that fit your lifestyle, and access resources when things get tight.
For parents – support without steering
Want to help your student succeed without hovering? We’ve got you.
- Joint account options for younger students
- Visibility tools like low-balance alerts and shared savings goals
- Stay connected while giving them space to grow
Why Golden 1?
We’re a credit union built for our members with community roots and a mission to empower the next generation. Students trust us because we communicate with them to learn what they need. Parents trust us because we’ve got their back.
Ready to start?
Whether you’re budgeting your first paycheck, applying for scholarships, or just learning what APR means, Golden 1 is here to help.
Say hello to your financial future and enjoy school with Golden 1!
* Message and data rates may apply. Check with your mobile provider.
1 To be eligible for this account, you must be a student between the ages of 13 and 24. When you turn 25, your Student Checking account will convert automatically to a Free Checking account. Applicants under age 16 must have a parent or legal guardian as a joint owner. Individual applicants ages 16 and 17 and all applicants over 18 must affirm attendance at a high school, college, university, or trade school. This account does not earn dividends.
2 You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.
3 To participate in G1 Rewards with CashBack+ you must be 18 years of age or older; have an open and active Golden 1 membership, be the primary account holder of an eligible Savings or Checking account and enrolled in Online Banking. Must be a U.S. citizen residing in the United States and accept Golden 1’s terms and conditions for the G1 Rewards program. Eligible accounts include Student Checking, Regular Savings, and Growth Savings. Full list at G1 Rewards with CashBack+.
