Member First

Build Credit and a Brighter Future

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A Card that Helps You Reach Your Credit Goals

Whether you’re establishing credit for the first time or working to repair your credit, you have the power to purchase every day essentials or pay bills to bolster your credit history with monthly on time payments.

Member First

15.04% APR*

*See Pricing and Fee Details


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Competitive Rates and Low Fees

  • $0 Annual Fee1
  • $0 Balance Transfer Fee1
  • One low rate for all cardholders
  • Credit limits start at $250

Member First Agreement

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Build Credit History

  • Secure your account with a deposit of up to $3,000. Your deposit is your credit limit. It will earn dividends and is fully refundable.2
  • Each month, payment information is reported to the credit bureaus, so making payments on time will help you build a positive credit history
  • Access Mobile Banking and Online Banking to monitor your accounts
  • Use Credit Sense to access your credit score, credit report, and more
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Convenient Benefits

  • ID Navigator by NortonLifeLockTM – Provides updates that keep you informed and help you protect your personal identity and information
  • 24/7 Roadside Dispatch – Help when you need it with unlimited, pay-per-use roadside assistance
  • Mobile Wallets – Make secure and easy purchases using Apple Pay®, Google Pay, or Samsung Pay
  • Contactless Payments – Pay with ease! Simply tap your contactless credit card on eligible point of sale terminals

    Benefits Guide


  • Those new to credit
  • Rebuilding credit

Looking for something different? Compare the features of our other Golden 1 credit cards.

Interested in the Member First Card?

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You can depend on Golden 1 to provide security features to protect your card, as well as convenient tools to manage your money.

ProtectionProtection against Fraudulent Charges3 – You won’t be held responsible for unauthorized charges to your card.

Card ManagementCard Management – Manage your cards securely, anywhere, anytime, in our Mobile Banking app.

Debt Protection – Affordable insurance against financial hardship.

Bill payAutomatic Payments – Set your monthly payments to process automatically, ensuring you always pay on time.

Fraud ProtectionSecure Online Checkout – Protect your transactions with Visa’s easy, smart, and secure online checkout.

1Other 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.
2Dividends are paid on the funds held in the savings account. Please see our Credit Card Account Agreement for other terms and conditions.
3Golden 1 provides zero fraud liability for unauthorized transactions on your card, when promptly reported. Certain conditions and limitations may apply. See your Credit Card Account Agreement for additional information on unauthorized use.

All third-party companies, products and service names used are for identification purposes only. All service marks, trademarks and registered trademarks are the property of their respective owners.