The Golden 1 Credit Union is a state-chartered credit union based in Sacramento, California founded in 1933. Membership in the Golden 1 Credit Union is open to all residents of California. The Golden 1 Credit Union offers consumer checking and savings accounts, certificates of deposit, individual retirement accounts, health savings accounts, credit cards, consumer loans, mortgages, and retirement, investment and other services.

United States

North America

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The Golden 1 Credit Union Reviews 2025 | BankerAdvisor

The Golden 1 Credit Union

The US Senate has voted to overturn a Consumer Financial Protection Bureau rule that would give the watchdog oversight of tech giants, such as Apple, Google and X, that offer digital payment apps and wallets. Voting along party lines, the Senate backed a Congressional Review Act resolution introduced by Republicans Pete Ricketts and Mike Flood. It still needs to pass in the House of Representatives. Finalised late last year, the CFPB rule is designed to ensure that the big nonbank players follow federal law just like large banks, credit unions, and others already under its supervision.

Senate votes to scrap CFPB oversight of Big Tech payment apps

A federal judge is ordering the Trump administration to keep the lights on at the Consumer Financial Protection Bureau with an injunction that maintains the regulator’s operations and workforce — at least for now.  “The Court cannot look away or the CFPB will be dissolved and dismantled completely in approximately 30 days,” Judge Amy Berman Jackson of the U.S. District Court for the District of Columbia said in a Friday decision announcing her preliminary injunction. For consumers, the ruling means the regulator has to ensure its hotline for consumer complaints and its database stay working, according to court documents and a consumer expert. 

The CFPB was on the brink of shutdown. Here’s what a judge’s temporary stay means for borrowers and consumers.

Process of shedding assets and draining bank reserves could collide with dynamics related to raising the federal debt limit. Federal Reserve officials made an adjustment on Wednesday to their policy of shrinking their $6.8 trillion in asset holdings. For the past three years, the Fed has been shrinking the portfolio of Treasurys and mortgage-backed securities that it accumulated during previous stimulus campaigns, including one to stabilize dysfunctional markets when the Covid-19 pandemic upended commerce in 2020. Now, it will slow down the pace of that runoff.

As Debt Ceiling Looms, the Fed Tweaks Its Portfolio Runoff

The US Department of Justice (DOJ) has filed a civil antitrust lawsuit against Visa over allegations of “monopolisation and other unlawful conduct in debit network markets in violation of Sections 1 and 2 of the Sherman Act”. In a press release announcing the lawsuit on 24 September, the DOJ says: “Filed in the US District Court for the Southern District of New York, the complaint alleges that Visa illegally maintains a monopoly over debit network markets by using its dominance to thwart the growth of its existing competitors and prevent others from developing new and innovative alternatives.”

US Department of Justice files civil antitrust lawsuit against Visa

The top five banks and thrifts with the largest portfolios of home equity loans had more than $94 million in loans combined for the third quarter of last year — more than half of the roughly $178 million amassed by the top 20 institutions. Discover Financial Services in Ridgewood, Illinois, posted the largest year-over-year change in total home equity loans, jumping from $3.9 million in the third quarter of 2023, to $6.1 million the following year. Other organizations with similar improvements include Third Federal Savings and Loan Association of Cleveland in Ohio with a 28% rise and First Citizens BancShares in Raleigh, North Carolina, with just over 22%.

20 banks and thrifts with the most home equity loans

Klarna is piloting a debit card called Klarna Card in the U.S. The card will also launch in Europe later this year. The Swedish fintech has been trying to shift its image from “buy now, pay later” poster child to a more all-encompassing banking player.

Klarna takes on banks with debit card as it diversifies beyond buy now, pay later

Investing.com -- The Federal Reserve may need to implement more aggressive rate cuts as recent data reveals a concerning trend in the labor market, according to Citi analysts in a note Wednesday. The bank said the percentage of individuals finding "jobs hard to get" is increasing, signaling that the rise in unemployment is not merely a sign of a growing labor supply but an indication of weak hiring conditions.  Citi notes that this trend, observed in the Conference Board survey, is reminiscent of the conditions in September 2001, a period when the U.S. economy was already in recession. This situation suggests that a “hard landing” could be imminent, making further aggressive rate cuts from the Fed more likely, says the bank.

Fed may have to cut aggressively as individuals finding jobs hard to get is rising

U.S. Treasuries, the bedrock of the global financial system, were hit by fresh selling pressure on Wednesday in a sign that investors were dumping their safest assets as turmoil unleashed by U.S. tariffs prompts forced selling and a dash for cash. The dollar, also a traditional safe haven, weakened against other major currencies in further evidence that confidence in the world's biggest economy has been shaken.

Global bond rout starting to sound market alarm bells

The regulator closed Aldersgate Federal Credit Union and Butler Heritage FCU; Aldersgate was placed in conservatorship last month after operating in an “unsafe and unsound manner.” The National Credit Union Administration said Tuesday it has liquidated Marion, Illinois-based Aldersgate Federal Credit Union, which was placed into conservatorship last month. On Monday, the NCUA liquidated Middletown, Ohio-based Butler Heritage Federal Credit Union after its in-state peer, Cincinnati Ohio Police Federal Credit Union, acquired some of its assets and assumed Butler Heritage’s share accounts. Butler Heritage was placed into conservatorship in January. 


NCUA closes 2 credit unions in 2 days

The bond market — not a plunging stock market — is the talk of Wall Street with prices tumbling and yields spiking, unusual action during times when fears of a recession are growing where fixed income is typically considered a reliable safe haven. The 10-year Treasury yield jumped 19 basis points to 4.45% and at one point overnight climbed above 4.51%. The yield has rebounded through where it was the day before President Donald Trump’s tariff plan was unveiled last Wednesday and is currently at the highest since February. The 30-year Treasury yield hit a high of 5.02% overnight, a level not seen since November 2023.

Bonds crater, 10-year yield spikes briefly above 4.5% in confounding move that’s worrying Wall Street

Moody's downgraded the U.S. sovereign credit rating on Friday due to concerns about the nation's growing, $36 trillion debt pile, in a move that could complicate President Donald Trump's efforts to cut taxes and send ripples through global markets. Moody's first gave the United States its pristine "Aaa" rating in 1919 and is the last of the three major credit agencies to downgrade it. Friday's cut by one notch to "Aa1" follows a change in 2023 in the agency's outlook on the sovereign due to wider fiscal deficits and higher interest payments.

Moody's cuts America's pristine credit rating, citing rising debt

In 2024, banking crossed a critical threshold. No longer satisfied with being simply digital and inspired by interactions with Chat GPT, customers began demanding something deeper—experiences that understand them. Banks turned to a powerful ally: artificial intelligence. The result? A seismic shift from transactional to transformational. AI didn’t just automate services—it began shaping intimate, context-aware journeys that feel less like banking and more like a personal concierge for your financial life. From predictive insights to adaptive interfaces, the age of “one-size-fits-one” in banking CX has arrived—and it’s only getting started.

The End of Average: AI Is Rewriting the Rules of Digital Banking CX

JPMorgan Chase said that the fintech middlemen that have helped a new generation of financial apps connect with traditional checking accounts are flooding the bank’s systems with unnecessary data requests. Of 1.89 billion data requests from middlemen hitting its systems in June, only 13% were initiated by a customer for transactions, according to an internal JPMorgan memo seen by CNBC. The majority of data pulls, known as API calls, were for purposes ranging from helping fintech companies improve their products or prevent fraud to other efforts including harvesting data for sale, said a person with knowledge of the memo.

JPMorgan says fintech middlemen like Plaid are ‘massively taxing’ its systems with unnecessary pings

President Trump signed a pair of executive orders Thursday intended to reshape the world of banking and high finance—some in ways Wall Street likes, and others it feared. One order seeks to make it easier for everyday Americans to invest their retirement savings in assets that lie outside public markets, such as private equity, cryptocurrency and private real estate. The move fulfills a long-sought goal of Wall Street hedge funds and private-equity firms, which for years have wanted to tap in to the giant pool of money in 401(k) and other defined-contribution plans. 

Trump Shakes Up Wall Street With Orders on 401(k)s, ‘Debanking’

The ratio of the S&P 500’s tech companies to the index is back at dot-com era levels.  The S&P came within 0.01% of its 16th record close this year on Friday, while the Nasdaq nailed its 18th. Stocks are off to a slow start for Monday, though many see the path of least resistance for equities is higher. That is, until it isn’t.  Howard Lindzon, co-founder and CEO of StockTwits, says there’s been lots of discussion regarding all-time highs for tech stocks, bitcoin and gold, which has raised questions about whether we’re in a boom, a bubble or a mix of that, and any trouble on the horizon.

Dot-com parallel leads to fear of what’s next for this record-busting stock market

Global long-term bond yields are surging, with U.S. 30-year Treasuries near 5% and U.K. gilts above 5.7%, as investors grow wary of mounting debt and political pressure on central banks. Safe-haven gold has hit a record $3,537, while economists told Fortune the bond market “can’t be primaried,” underscoring that investors will pull back if fiscal credibility deteriorates.

The canary in the coal mine is singing as global bond selloff raises national debt concerns

PayPal Ventures has led an $18 million funding round in Kite, a company building the trust infrastructure for AI-generated autonomous payments. PayPal was joined by General Catalyst, 8VC, Samsung Next, Alumni Ventures, SBI US Gateway Fund, Vertex Ventures, Dispersion Capital, Avalanche Foundation, GSR Markets, LayerZero, Hashed, HashKey Capital, Animoca Brands, Essence VC, and Alchemy. The new financing brings total cumulative funding for the vendor to $33 million.

PayPal leads funding round in agentic AI firm Kite

Google has unveiled an open protocol designed to serve as the foundation needed to enable AI agents to transact payments on behalf of users and merchants. The tech giant has lined up more than 60 partners - including Adyen, Coinbase, Mastercard and PayPal - for the Agent Payments Protocol (AP2). Agentic commerce breaks the assumption that today’s payment systems generally make that a human is directly clicking "buy" during a transaction.


Google unveils Agent Payments Protocol to power AI commerce

Coinbase CEO Brian Armstrong has outlined plans to build a crypto super app, offering credit cards, payments and Bitcoin rewards to rival traditional banks. Speaking during a recent interview with Fox Business, Armstrong confirmed the company’s plans to offer a full suite of financial services, from payments to credit cards and rewards, all powered by crypto rails.


Coinbase CEO sets sights on replacing banks with crypto super app

The stockmarket is not the economy, as the old investing cliché goes. That is obvious enough to anyone paying attention in America this year. President Donald Trump’s tariff fervour has dented growth, even if not by as much as expected after “Liberation Day”, and yet the stockmarket has soared: the S&P 500 index of large American companies is up by nearly 15% so far this year, comfortably ahead of the historical average.  But does the stockmarket power the economy? At most points in time, it would be a ridiculous question. In recent months, though, the rise in American share prices has coincided with, and been fed by, a rush of popular enthusiasm for investing. And as people see the line go up, they become more likely to spend. 

The stockmarket is fuelling America’s economy

Huntington Bank will acquire Texas- and Mississippi-based Cadence Bank in a $7.4 billion, all-stock transaction that’s expected to close in the first quarter of 2026, the banks said Monday. It’s the second Texas-related acquisition this year for $223 billion-asset Huntington. The Columbus, Ohio-based regional acquired Dallas-based Veritex Community Bank for $1.9 billion; that deal closed last week.  Cadence, which has $53 billion in assets, has dual headquarters in Houston and Tupelo, Mississippi. The bank has about 390 branches and 1 million customers across Texas, Mississippi, Alabama, Arkansas, Florida, Georgia, Louisiana, Missouri and Tennessee.

Huntington to buy Cadence Bank for $7.4B

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