The Golden 1 Federal Credit Union

Headquarters: Sacramento, California
Charter: Credit Union
Assets: $22.2B
Fed district: San Francisco

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 8, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
The Golden 1 Federal Credit Union: $14
The Golden 1 Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
The Golden 1 Federal Credit Union: No fee
The Golden 1 Federal Credit Union: No fee
U.S. median: no median
Non-Network ATM
The Golden 1 Federal Credit Union: $2
The Golden 1 Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from The Golden 1 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheat Notice (audience not stated, treated as personal)$2
Account Reconciliation Research (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Fee (audience not stated, treated as personal)$14
per item
Insufficient FundsNo charge
Overdraft Protection (from savings) (audience not stated, treated as personal)No charge

ATM & Card

ATM SERVICES: Withdrawals/Transfers$2
per transaction
Debit/Credit Card Expedited Replacement$18

Check Services

Cashier’s Checks$6
per item
Money Orders$5
per item
GENERAL SERVICES: Stop Payment Orders (new or renewal) (audience not stated, treated as personal)$25
per item
Stop Payment Fee for lost/stolen checks$25
per item
Check Cashing Fee (non-member)$10
per item
Collection Item (Domestic) (sent or received) (audience not stated, treated as personal)$15
Collection Item (Foreign) (sent or received) (audience not stated, treated as personal)$20

Digital & Electronic

Online Bill Payment Service (audience not stated, treated as personal)No charge

Cash & Deposit

Coinstar Coin Machine5%

Account Services

CHECKING ACCOUNTS: Levy or Garnishment 6$35
per item
Verification of Deposit (audience not stated, treated as personal)No charge

Fee	Amount	Basis	Note
Account Maintenance
Escheat Notice (audience not stated, treated as personal)	$2	Not stated	None
Account Reconciliation Research (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Fee (audience not stated, treated as personal)	$14	per item	None
Insufficient Funds	No charge	Not stated	None
Overdraft Protection (from savings) (audience not stated, treated as personal)	No charge	Not stated	None
ATM & Card
ATM SERVICES: Withdrawals/Transfers	$2	per transaction	None
Debit/Credit Card Expedited Replacement	$18	Not stated	None
Check Services
Cashier’s Checks	$6	per item	None
Money Orders	$5	per item	None
GENERAL SERVICES: Stop Payment Orders (new or renewal) (audience not stated, treated as personal)	$25	per item	None
Stop Payment Fee for lost/stolen checks	$25	per item	None
Check Cashing Fee (non-member)	$10	per item	None
Collection Item (Domestic) (sent or received) (audience not stated, treated as personal)	$15	Not stated	None
Collection Item (Foreign) (sent or received) (audience not stated, treated as personal)	$20	Not stated	None
Digital & Electronic
Online Bill Payment Service (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Coinstar Coin Machine	5%	Not stated	None
Account Services
CHECKING ACCOUNTS: Levy or Garnishment 6	$35	per item	None
Verification of Deposit (audience not stated, treated as personal)	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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