Golden 1 Credit Union

24 ratings (24 Epinions reviews)
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    Highest Rated Consumer Review by the Community

  • Why do I like Golden 1 Credit Union? Let me count the ways.

    Feb 2, 2010 by
    Rated a Very Helpful Review
    Pros: I like Golden 1 Credit Union
    Cons: Not many branches in my area.

    Summary: I've been a member of the Golden 1 Credit Union for quite a number of years. This credit union is much larger up in the northern California area, but here where I live, there is just one branch that I know of. It is in Goleta, California. (I ... read more

  • CUSTOMER SERVICE DISAPPOINTMENT

    Mar 15, 2013 by
    Not yet rated.
    Pros: Golden1 CUSTOMER SERVICE DISAPPOINTMENT!
    Cons: Golden1 CUSTOMER SERVICE DISAPPOINTMENT!

    Summary: I could not be any more DISAPPOINTED with the service I received today at the branch I had gone in Downtown Sacramento. 3 weeks ago, on February 25, 2013, my Golden 1 ATM card was "swallowed" by one of the golden1 ATM machines,  while ... read more

  • DISAPPONITED

    May 4, 2012 by
    Not yet rated.
    Pros: It is a bank... That's all I have to say for a pro
    Cons: Please see field above for entire details

    Summary: I could not be any more DISAPPOINTED with the service I received today at the branch I had gone to today. I had been mugged in a parking lot after grocery shopping this past weekend on Saturday. I was not able to reach anyone until Monday in order to ... read more

  • Great loan rates

    Feb 15, 2012 by
    Rated a Very Helpful Review
    Pros: Great loan rates
    Cons: No online payment option for "loan only" customers.

    Summary: My wife and I were referred to Golden One by an independent car dealership that didn't do any financing, and it was an amazing discovery! We ended up buying a much higher-priced car than we had planned because the low interest rate gave us lower ... read more

  • Horrible, will not do anything to keep you as a satisfied costomer.

    Jun 30, 2010 by
    Rated a Helpful Review
    Pros: Branches open later than most banks are almost no hold time  on the phone.
    Cons:  acoount doesn't show purchases made right away (have to wait  up to 4 days)

    Summary: 1: Apperantly it takes 4 days for some purchases (on your debit card) to show up on the account activity, therefor I'd have to iether write down or remember every purchase I made to avoid overdrafts.2: If online bill pay doesn't go through (becouse ... read more

  • This is a shoestring operation: don't be fooled

    Sep 10, 2009 by
    Rated a Very Helpful Review
    Pros: Friendly people at the branch.
    Cons: Card cancellations, deposits not honored, lots of fees, fine print.

    Summary: I heard this credit union was good, like others I used in the past in other places I've lived, and I really really really wanted it to work out. The staff at this credit union are superb, friendly, and really great. Unfortunately, the staff at this ... read more

  • Golden 1 not so good after all

    Jul 17, 2009 by
    Rated a Very Helpful Review
    Pros: Free checking.
    Direct Deposit available day early
    Cons: Poor lousy customer service
    ATM deposits takes two business days to post

    Summary: I've been with Golden 1 for almost four years now and the reason I switched to them was because I thought that Golden 1 are more geared towards their members. They advertise that banks only care for stockholders and CU's cares for their members. Well, ... read more

  • A ok credit union, but....

    Nov 22, 2005 by
    Rated a Very Helpful Review
    Pros: Friendly people on the phone or in the bank
    Cons: lots of fee's and they stack them up

    Summary: I have been with The Golden One for many years now and have been mostly ok with their service and now for the but part of this,.. When I had a job where I used direct deposit I never had a problem one, but now I am self employed and I am starting to see ... read more

  • Not So Golden

    Jul 7, 2005 by
    Rated a Very Helpful Review
    Pros: Good credit union rates.
    Cons: Customer doesn't seem to be number 1.

    Summary: Recently, my family moved to a new area and decided to open a new account with a local credit union. After looking into several around the area, we decided that the Golden 1 had the best checking account for our needs. We went and signed up with them ... read more

  • They've simplified my life in immense ways

    Mar 31, 2003 by
    Rated a Helpful Review
    Pros: Free on-line bill pay; no excessive fees; quick loan approvals
    Cons: None

    Summary: My check gets deposited electronically and reliably each pay period. After which, all of my bills are automatically paid for on pre-configured dates--no stamps, never late. They don't charge me overdraft fees if I dip below my account balance a little ... read more

  • Great rates, won't loan to value

    Jan 28, 2003 by
    Rated a Helpful Review
    Pros: Great interest rates on loans
    Cons: Horrible phone service

    Summary: Golden 1 offers some of the best rates imaginable for 2nd mortgages. However, our experience (twice) has been that they hire the most conservative appraiser they can find. On both occasions, their "drive by" appraisal came in about 15% less than a ... read more

  • Every thing's coming up golden

    Dec 22, 2000 by
    Rated a Very Helpful Review
    Pros: The online system is down more than it is up
    Cons: Locations and staff

    Summary: I have a Golden 1 checking and savings account. I started off about a year ago with a savings only account just to see how they operated. No problems, so, after my 8th (and I am not exaggerating) episode with my former cu, I decide to take my checking, ... read more

  • golden 1 CC Ripoff

    Dec 10, 2000 by
    Rated a Very Helpful Review
    Pros: big credit limit
    Cons: can't use credit limit; card dies when their computer is down

    Summary: I joined Golden 1 less than 6 months ago to get a rebate credit card and have encountered massive incompetence and fraud. After taking 2 months from the time of approval to actually get a card, they cancel the card when I tried to add my wife. Upon ... read more

  • Great if you live near a branch.

    Dec 7, 2000 by
    Rated a Helpful Review
    Pros: great rates
    Cons: telephone and e-mail service

    Summary: I signed up with the Golden 1 seven years ago when I had my first job in high school. I liked their friendly atsmophere and never felt intimidated making transactions there. I encouraged three other people to join, and as eventually went from just a ... read more

  • Business with Golden One

    Nov 21, 2000 by
    Rated a Very Helpful Review
    Pros: Easy access to automated tellers, branch offices and on the web. Debit card makes need for check writing or cash withdrawals minimal.
    Cons: Cannot think of any!

    Summary: I have been a member of the Golden One for over 25 years. To date, I have never had a problem with the credit union that hasn't gotten resolved to my satisfaction and I was very pleased with the services that I received and continue to receive. The ... read more

  • $3.4 Billion ripped off??

    Sep 26, 2000 by
    Rated a Very Helpful Review
    Pros: Can't think of one
    Cons: They think YOU are the ATM

    Summary: So the Golden One Credit Union has $3.4 Billion in assets and over 350,000 members. How many of these members have been ripped off by Golden One. I'll put up both my hands when it comes to this company. It all started in 1997 when ... read more

  • "Golden"?! I think not!

    Apr 17, 2000 by
    Rated a Helpful Review
    Pros: Excellent interest rates
    Cons: Customer service, location selection

    Summary: Golden One Credit Union isn't worth it's worth its weight in gold or anything else! There is only branch in our town, a town of nearly 60,000 people. The nearest location otherwise is 30 miles away. This is a growing town, with a ... read more

  • Overall Good, But Needs Improvement

    Apr 2, 2000 by
    Rated a Very Helpful Review
    Pros: Higher CD rates
    Cons: Not nearly enough locations, poor member service

    Summary: I have been doing business with Golden 1 for a little over 2 years. My overall experience has been positive, less one particular situation when I was denied a credit card despite a perfectly clean credit report and several CDs with the CU. I enjoy ... read more

  • Express Customer Reviews

  • 1 Big Golden Mistake After Another

    Jan 25, 2011 by
    Not rated yet
    Pros: Can't think of any
    Cons: Bad customer service & too many excuses

    Summary: After banking with Wachovia for 5 great years, they were bought out and it was time to change banks. We should have just stayed where we were at. Golden 1 has been a Golden Nightmare.  The time they take to process our deposits can exceed a week, ... read more

  • why i would never bank at golden 1 credit union ever again...

    Oct 4, 2010 by
    Rated Show
    Pros: Some of the employees do have banking experience and are customer savy (kinda).
    Cons:  Employees lacking of experiences in many things. Golden 1 needs updates badly.

    Summary: My experiences for 5 years as a member with Golden 1. So many areas the employess need to upgrade themselves on. Glad I no longer bank there and never go ... read more

Showing 1-20 of 24 reviews
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