Golden 1 Credit Union
state-basedLikely open to CA residents — verify county or group restrictions before applying.
Current posted rates
Scraped weekly from Golden 1 Credit Union's public rate sheet. Lowest purchase rate per product shown.
| Loan | Term | Rate | APR | Points | Est. 5-yr cost | As of |
|---|---|---|---|---|---|---|
| Conventional | 30-yr | 6.125% | 6.137% | 0.13 | $146,347 | 7h ago |
| Conventional | 15-yr | 5.375% | 5.375% | 0.00 | $194,512 | 7h ago |
| FHA | 30-yr | 5.990% | 6.700% | 0.00 | $143,738 | 7h ago |
| Jumbo | 30-yr | 6.000% | 6.012% | 0.13 | $144,412 | 7h ago |
| Jumbo | 15-yr | 5.500% | 5.519% | 0.13 | $196,620 | 7h ago |
Posted rates are Golden 1 Credit Union's advertised numbers and assume their fine-print conditions (credit, LTV, points). "Est. 5-yr cost" = points paid upfront plus principal & interest over 5 years on a $400,000 loan, so you can compare a rate's true cost including its points — use the calculator for your own numbers. Your quote may differ. Not financial advice.
How to actually get this rate
A posted rate is a starting point, not a guarantee. Here's the real path.
- 1Confirm you can join Golden 1 Credit Union
You must be a member to get a loan. Check the eligibility path — many credit unions let anyone join through a small association donation.
- 2Get pre-approved — and shop 2–3 lenders
Pre-approval tells you the rate youactually qualify for (the posted rate assumes strong credit and 20% down). It doesn't lock you in or cost anything, and rate-shopping within a ~45-day window counts as a single credit inquiry — so get quotes from this credit union and a couple of others before deciding.
- 3Have your paperwork ready
Speeds up pre-approval: recent pay stubs (last 30 days), W-2s and tax returns (last 2 years), bank/asset statements (last 2 months), and a photo ID. Self-employed? Add profit-and-loss statements.
Got a quote already? See how it compares to real borrowers — or use the calculator to price your monthly payment. Not financial advice.
Where you can join
About this page
RatePerch independently scrapes Golden 1 Credit Union's public rate sheet every Monday and archives every change — we have no referral, advertising, or lead-generation relationship with Golden 1 Credit Union or any lender. Spot an eligibility error? Report it from the directory. Full methodology on the methodology page.