Golden 1 Credit Union

I’ll give this place no stars if I could.
My brother and I were on the phone with Golden one credit union trying to get a loan for him for his car. The representative Venny Yanez began talking down to my brother because my brother is slow. She was frustrated with him saying he can’t speak clearly or hear her, what was wrong with him etc. She said she wasn’t going to do the loan for him.
Wait what. What what what. I got on the phone and asked to speak to her manager so being so rude and disrespectful to my brother. I told her that was completely uncalled for to make my brother feel like that.
Golden one you need to train your employees on customer service and empathy. I never post personal stuff but if I can talk about how they treated my brother wrong… I will.
Nadia the escalation supervisor said because he was disabled that he needed to come in and file a loan application. I told her if it was me who speaks clearly and can hear right, you sure wouldn’t be telling me that. However it’s one thousand percent discriminatory that you do that to my disabled brother.
Thank God I cancelled my golden one account, I would never give these leeches a cent.

Nice-​looking branch. Very competitive with other credit union rates. However if you need to go in there, not the smoothest thing. To see a teller, there’s always a long wait it seems. 12 people today with two cashiers. If you want to do something more complicated that can’t be done at a tellers stand, then there is a sign in sheet that is just on a table. Problem is no sign, no nothing to tell you to sign in, and so you have to know it’s there otherwise others will sign in front of you. Happened to me and clearly the sign-​in sheet has caused others problems in looking at these reviews. Overall it’s just not a good experience if you have to go in there, or at least there’s a good chance it will not be. I don’t think I would recommend to a friend.

Ive never had a bad experience here and prefer it over BANKS! I always receive prompt service and dont feel like im being offered useless products. There is plenty of parking here and it doesnt get as crowded as some of the other locations.

What can I say? This Golden 1 Credit Union near Sacramento State (aka. CSUS) is defiantly one of the better Golden 1 Credit Union branch that I’ve ever visited for the past few times. As I entered, their atmosphere is quite normal and ongoing. The concept remains the same as most Golden 1 branches does with the latest modern, contemporary flare after the remodeling.
The employees which includes bankers and tellers are doing a great job for making the customers like me a honest service! The teller, Joseph is the coolest, and the friendliest teller that I’ve ever met and experienced the most no matter if I’m depositing or withdrawing. No cons at all!
Their 3 ATM machines work very well without all the future technical difficulties. Also, their coin depositing machine works well, and it calculates perfectly to reveal the final change price.
There’s plenty of parking spaces available at their lot, so you can park anywhere near or far.
In the end, this Golden 1 Credit Union near Sacramento State is the finest Golden 1 branch that I’ve totally enjoyed and coming here during my Golden 1 banking era. A well visit! My rating: 4 solid stars.

I mainly come here for the ATM but the inside is nice too. The employees are always nice and they’re very fast. I like that they have security here.

I went in about 1:25 today and found that the place was really nice and was pretty much empty of customer. I was told by a friend, who is a branch manager of one of Golden 1 that I should check them out. And bank with them. I approach the teller, and ask to sign me up with free checking account. And that I like to deposit 500 in today. He then explain and walk me up to the front door and sign name on the waiting list. I was the first and last on the listing sheet. From my eyes view there was maybe 6 desk and 5 persons who work there, in blue polo shirts… in there. I waited 35 min. No one approach me or said hello. Offer to see if I been help.
I can say whoever is the manager there need to teach there employees to have better customer services… have a great day.

I can tell that The Golden 1 Credit Union isn’t what it used to be when they only allowed State employees and their families to join, however, it’s still the best thing around. I’ve been with The Golden 1 for 35 YEARS. I worked for the State of California, opened my checking and savings accounts with G1 back in 1980, and have used just about every service they have, car loans, Home Equity loan, Visa credit card, personal loans, and even notary services. On occasion I have had to write to a manager to explain a situation that an employee was clearly wrong about but people are people and unless you let management know, they can’t correct the situation.
As far as Linda H.‘s review blaming The Golden 1 for charging her joint account for overdrafts on her families separate accounts, whenever you have another person on any account of yours you’re taking responsibility for them, and not just at The Golden 1 Credit Union. If you cosign a mortgage loan for someone and they don’t make their payments to the lender, guess who is responsible? YOU are. That’s why they put your name on the account. So The Golden 1 went to Linda H. for the overdraft money because she is connected to the fraudulent check-​writer. Here’s a piece of advice: if you don’t want to pay for your family member’s criminal behavior, don’t have a joint checking account with them. That simple.
Credit Unions like The Golden 1 are in business to make money, to provide services, and to keep up their end of the bargain, while you’re supposed to keep up yours. I’ve had to dispute charges to my Visa before and yes, I’ve had to prove I didn’t owe what I was disputing, but that was easy because… I didn’t owe it, and even just an email can prove that depending on the circumstances. I’ve also had fraudulent charges on my Visa that had to be closed recently because of it. The Golden 1 did not tell me they’d refuse to close my account, or that I’d lose any type of Rewards as one Reviewer here claims, or that I’d have to pay for additional fraudulent charges that may have posted after I closed the credit card. That is against the law. So, sorry to have to state this but anyone who says otherwise is lying. The credit union wants to stop the fraudulent charges as much as you do and there is no way they’ll refuse to close the account, in fact, that is the first thing that they DO do.
Anyway, yes they’re still living in the 20^th Century sometimes with their forms and rules and the fact that sometimes you have to provide an ink signature for something, but they do that for the Member’s protection. At least they think that’s why they’re doing it: o) What I fight is stupid stuff like when a teller asks me for my ID, I provide it by holding it up to the glass, and they go on a power trip and order me to take it out of my wallet and give it to them in the tray under the window. Those people are just jerking customers around trying to act powerful in a job where they have very little. Don’t get me wrong, I’m very glad they ask for my ID, but I will not jump through hoops and struggle with taking out of my leather wallet so I can hand it to them to inspect as if they work for the FBI. They are not fake ID experts, they couldn’t tell a counterfeit bill if it screamed at them out loud (I had that happen to me at The Golden 1 ATM on O Street in downtown Sacramento that gives out $ 5 and $ 10 bills — got one that was counterfeit), and they’re not handwriting experts either and I’ve had to tell them that as well.
Again though, those are little things that can be annoying but it’s the individual people who need to be dealt with, not the credit union itself. There is a difference. Everyone will have a rogue employee every once in awhile that they’ll have to reign in. The Golden 1 has the best interest rates on Visa cards, they provide rewards on purchases, they don’t charge for checking accounts, and they even pay dividends on checking accounts even if it is only a penny or two per month: o) I defy you to find a better place to bank (and no, I don’t work there, haven’t ever worked there, don’t have any friends there, and as mentioned I’ve had a couple of disagreements with them myself, but ALL resolved to my satisfaction in the end).
Just make sure to bring up situations you disagree with, to a Manager, not an employee, and allow them to resolve it. If you have a great rating with them (mine is an A+) which is different than just your credit score, they’ll basically bend over backwards to please you in order to keep you as a customer. BTW, I have never written a hot check in my entire life. Not once. See, that’s me keeping up my end of the bargain.

I have been with Golden 1 for close to ten years and always have great service. I just wanted to make a comment specifically about Jim at this location. He notarized a document for me that gives me benefits from the recent passing of my mom, when I asked how much I owed he said I had enough going on and didn’t charge me, wouldn’t let me leave a tip either. Just an awesome guy!

I just opened up my free-​checking account a little over a month ago and I’ve had nothing but bad experiences.
Most importantly, after I handed my check to one of the most stand-​offish bank employees I ever met who open my account (noticeably not enjoying the experience), he told me I needed to wait 15 days to get access to my money when I first open an account. Again, this was AFTER the paperwork had been signed. My next time entering the bank (about 12 days later) with another check to deposit, they explained that all deposits coming in during the first 30 days have a 15 day hold, so the bank ‘can get to know you.’ In actuality, they’re likely making money off of your money while they won’t let you touch it.
My first time walking into the bank, the front desk was unoccupied and I wasn’t sure where to go. I stood there for a minute when a grumpy employee (the one from above) told me to sit down. After waiting for 10 minutes, an employee asked if I had signed in, I said no (how was I supposed to know? I never had to at my old credit union and there was no one at the desk). He looked irritated and told me to come back to his desk with him, and started the most impersonal interaction I’ve had with a banker in my life.
I’ve called SAFE Credit Union (and talked to a very personable employee) and they don’t put a hold on your money for 15 days during the first 30 — just two days. Once I have access to my money I’ll be moving it to there — I’m a college student and I need my money now.

Golden 1 overall is great, but many banks are great. They all offer pretty much the same services at the same interest rates. I love golden 1 for some perks they have for state workers, but this branch didn’t want to spend a few extra minutes to help me wire some funds. I was running a little late but managed to get there 5 minutes before they closed. Everyone was packing up and getting ready to go home. I was told that since this is a 10 minutes process and they were only open for 5 more minutes, that I should come back tomorrow… Not sure where they learned customer service but if you don’t want to help a customer at 5:55 you should close at or before then. Sont have business hours for times you don’t conduct business. If someone walked into the pizza spot I worked in as a teen, I had to help them even if they were there 1 minute prior to close, we often did what we could if people arrived a couple minutes after close. Since all banks are about the same now, you need the best customer service to win in the industry, learn about it.

I remember when I was 18 and decided to come here to Golden one to open a Checking & Savings Account. cause MANY of my friend recommended me here. THEY DECLINE me. its not like im opening a credit card. sad but they miss out cause I would be a good customer for them. so now screw golden one

The «1» in the «Golden 1 Credit Union» logo is actually the hilt of the dagger plunged deep in your back. I was with Golden 1 Credit Union for about 12 years and performed the majority of my account transactions at the Micron/​Olson location. College Town was my 2^nd most frequented location. I am glad that my relationship with G1 finally came to an end.
Golden 1 is NOT friendly for the business traveler. I didn’t mind having to go into the branch for everything (or even notice that I was) when I had a branch nearby my home but when I begun living between 2 residences (TX and CA) as well as traveling a lot, the credit union became a huge problem. I was surprised by the number of transactions that were required to be done in person or via a form that could NOT be downloaded from the internet and had to be picked up at the branch or mailed (to the address of record only and not to whatever address you’re currently at – even though the form was blank and did not contain any identifiable information).
They also have no sense of loyalty to their members. I have excellent credit and despite YEARS of having a great payment record with them (I’ve had 2 car loans, a credit card, and 2 HELOC’s during my time with Golden 1 and have NEVER been late with a paymnent) and no overdrafts from any of my personal accounts, I was treated like I was somehow the guilty party at the first sign of trouble and no one would assist me with stopping further losses. Here are 2 examples as to how I was back-​stabbed by them:
1) I had ordered a product from an online company and charged it to my credit card. Although I never received the product, I was charged for it. Not only was I charged for the product that I never received, but the company began making unauthorized reoccurring charges to my Golden 1 credit card for more of that nonexistent product. After getting the run around from the company, I contacted the Golden 1 to see if I could block any further reoccurring charges. Not only did Golden 1 refuse to block reoccurring charges, they wanted me to provide proof that I did not authorize the charge but could not provide proof that I did. When I closed my credit card in response, I was informed that I would lose all reward dollars accumulated AND that I was still liable for any charges made by the company to the closed account even if the charges hit the account after it has been closed. Not only did they not reimburse me for the fraudulent charges, they REFUSED to help stop further losses. I was shocked by my treatment since I had no prior disputed charges in the 8 years I had the card with them and had NEVER been late on a payment.
2) After closing the credit card (which luckily did not receive any further fraudulent charges after closure), I still held a HELOAN, a checking, and a savings account with Golden 1. A couple years later, no longer my primary checking account, I added a family member to my checking account so that she could use it to manage a rental property that I own. I kept about $ 1500 in the account to cover any expenses that she might have. I soon found out that my family member had bad credit when Golden 1 automatically withdrew $ 868 from my account to pay an overdraft from her individual account. I tried to take her name off the account but was told that I couldn’t (even WITH her permission) since G1 does not allow joint to individual registration changes. So I asked that the remaining money be transferred out and closed the checking account in an effort to prevent further losses. They transferred the balance out but deducted another $ 556 for another overdraft first — this was done despite a rep promising that they would not deduct any of her individual overdrafts from our joint accounts any longer. Since I had a HELOC, I had to leave the savings account open despite closing the checking. To add insult to injury, I found out that all of the monthly payments that I made on my HELOC loan was routed through my savings account before being credited to my mortgage. It is really scary, watching my account closely to make sure my mortgage payments are actually applied toward my mortgage and not used to pay yet another of my family member’s overdraft. G1 deducted 12 cents once (I’m sure it was to cover yet another of the family member’s overdrafts), forcing me to hurriedly transfer in another 12 cents to make sure my mortgage didn’t bounce. Ridiculous. Luckily mortgage rates were low because I refinanced my HELOAN just to get away from this place & cut my payments in half in the process.

I have been a member of The Golden 1 Credit Union since 1994. I originally got my first account here when my Dad told me, it’s time to start getting credit. I was able to get a small loan with my father as a cosigner. Over the years, and several loans for homes, cars, and a motorcycle later, I still really like the Golden 1.
I have had several accounts at numerous banks, and other credit unions over the years. I have found that most of them are really nice up front. Once they have your money locked in to CDs, or other accounts, their customer service really lacks, and crazy fees start popping up for everything. I have never had this happen at the Golden 1.
As for this location in general, it is the close to my home, has it own parking lot, and some of the nicest tellers, and loan agents. They even call me when someone is trying to cash a check in person, regardless of what they look like. It is hard to find this kind of customer service anymore, in any business. This location has a change counting machine in the lobby. It is free to members, and can be deposited into any of your accounts. My daughter loves it because the money usually goes into her account.
If your bank is bleeding you dry with fees, or their customer service basically suck, you should get an account with the Golden 1.

This is a review for one of their bank loan specialists? — Jim Ethridge. I needed a car loan for a car i was purchasing from a used car dealer. That dealer recommended i contact Jim at Golden 1 Credit Union as they both have worked together for quite a while now — so i reached out to Jim.
Let me just say. i’ve not received such outstanding customer support from anyone at a bank — ever. Jim worked with me every step of the way — answered all my questions via phone and tried numerous ways to get me approved credit line — which he managed to do successfully!
I had previously tried to purchase a used car from Lexus dealership — they gave me a 9% APR over 5 years — Jim got me 2.9. and since i was able to down so much of the payment, my monthly payments are below $ 200!!!
Another plus — Jim got most of the paperwork ready for me so by the time i drove to Sacramento from Fremont, i was in and out in about 10 minutes!

This is by far the best of all the Golden 1 locations I’ve been to. It’s not flawless by any stretch of the imagination, but it’s not headache inducing like most of my other visits to branches of this popular local chain.
I like this location because it’s spacious and removed from the busy main streets so there isn’t usually as much of a line. The tellers are super friendly. I sat down for loan consultation and they treated me like I was there most important customer.
On the downside, Golden 1 has a habit of finding locations that are never conveniently accessible. There is only access to the cramped parking lot from one direction.

SITREP
Great service on questions I asked about a recent loan consolidation and they provided helpful advice.
SET-​UP
They were able to provide me an equity line of credit that allowed me to consolidate 3 personal loans that were at much higher interest rates and put me in an equity loan that cut nearly 10% interest rates off of all three.
For me that is a Win-​Win-​WIN, and tremendous sense of relief.
THE LOWDOWN
I truly appreciate the helpfulness of the Golden 1 staff in helping me regain control over my debt management and personal budget situation.
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