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The lowest rate assumes membership of at least seven … Annual percentage rate (apr). At golden 1 credit union, community is our cornerstone. Golden 1 offers several helpful online services for accessing your accounts on the go such as online banking, mobile … Golden 1 offers a free checking account for people who want a basic account with no monthly maintenance fees. *all loans subject to approval. We’re here to help all californians set and achieve their … With our mobile banking, you are never more than a tap away from your accounts - including bill payment, mobile deposit, …