Lender profile
Golden 1 Credit Union
Lender Live rate observations
Golden 1 Credit Union at a glance
Golden 1 Credit Union is a lender based in California. LoanMate.ai tracks 9 published loan products from Golden 1 Credit Union (13 rate listings), last verified 2026-10-21. Its lowest published rate today is 4.99% on New auto loan. Its 30-year fixed rate of 7.25% is 0.13 points above the national median of 7.12% (across 272 lenders publishing that product). Golden 1 Credit Union lends in California only.
Purchase mortgage (9)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/6ARM | 6.25 | 6.488 | 0.125 | — | 2026-10-21 | Lender source ↗ |
| 7/6ARM | 6.375 | 6.508 | 0.125 | — | 2026-10-21 | Lender source ↗ |
| 10/6ARM | 6.5 | 6.554 | 0.125 | — | 2026-10-21 | Lender source ↗ |
| 5/6ARM | 6.625 | 6.637 | 0.125 | — | 2026-10-21 | Lender source ↗ |
| 7/6ARM | 6.625 | 6.637 | 0.125 | — | 2026-10-21 | Lender source ↗ |
| 10/6ARM | 6.875 | 6.805 | 0.125 | — | 2026-10-21 | Lender source ↗ |
| 15FP | 6.875 | 6.875 | -0.125 | — | 2026-10-21 | Lender source ↗ |
| 30FP | 7.25 | 7.25 | -0.125 | — | 2026-10-21 | Lender source ↗ |
| 30FP | 7.375 | 7.375 | -0.25 | — | 2026-10-21 | Lender source ↗ |
Auto loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 4.99 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 8.74 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 11.29 | — | — | 2026-10-21 | Lender source ↗ |
How does Golden 1 Credit Union's 30-year fixed rate compare nationally?
- #1 nationally for 10/6 ARM — 6.5% (of 8 lenders publishing it)
- #3 nationally for 7/6 ARM — 6.375% (of 12 lenders publishing it)
Compare all purchase mortgage rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at Golden 1 Credit Union?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from Golden 1 Credit Union is 4.99% on its New auto loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Golden 1 Credit Union lend?
Golden 1 Credit Union lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Golden 1 Credit Union's 30-year fixed rate compare nationally?
Golden 1 Credit Union publishes 30-year fixed at 7.25%. The national median for that product is 7.12% across 272 lenders in LoanMate.ai's October 21, 2026 dataset, so Golden 1 Credit Union is 0.13 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.