Golden 1 Credit Union - San Jose - San Jose, California

Golden 1 Credit Union - San Jose: An Overview

Golden 1 Credit Union – San Jose, located at 2 Pierce Ave Suite B, San Jose, CA 95110, United States, represents a significant branch within the broader Golden 1 Credit Union network. As a credit union, it operates on a member-owned and member-focused model, differentiating itself from traditional banks. This structure prioritizes the financial well-being of its customers, offering competitive rates, personalized service, and a range of financial products and services. The branch’s telephone number is 8774653361, and its official website is golden1.com. The ATM and bank services offered are designed to cater to the diverse financial needs of the local community.

Location and Accessibility

The San Jose branch’s address, 2 Pierce Ave Suite B, strategically positions it within a bustling area of San Jose. This location is particularly beneficial for residents and businesses in the surrounding neighborhoods. However, a recurring theme in customer feedback highlights a challenge with parking in the area, suggesting that prospective clients should anticipate potential difficulties when visiting. The branch is committed to accessibility, boasting a wheelchair-accessible car park and a wheelchair-accessible entrance, ensuring that individuals with mobility limitations can easily access its services. This demonstrates a commitment to inclusivity and equal access to financial resources.

Services Offered

Golden 1 Credit Union – San Jose provides a comprehensive suite of financial services, mirroring the offerings of larger banking institutions. These services typically include, but are not limited to: account management (checking, savings, money market), credit card services, personal loans, auto loans, mortgage lending, and various financial planning tools. The branch frequently handles transactions such as cashier’s checks, crucial for securing deposits for rentals or other financial obligations. Notably, the branch is known for relatively quick service, particularly during the late afternoon, with transactions like cashier’s check preparation often completed in under five minutes. The focus is on efficiency and customer satisfaction.

Customer Feedback and Reputation

Currently, Golden 1 Credit Union – San Jose has 53 reviews on Google My Business. The average opinion received is 2.7 out of 5, indicating a mixed customer experience. While some patrons appreciate the speed and efficiency of service, particularly during off-peak hours, a significant portion of feedback centers on the inconvenience of parking and the desire for increased branch availability, particularly in the South Bay region. There appears to be a strong preference among customers for branches located closer to their homes or workplaces – a factor influencing potential branch transfers. The desire for more accessible locations within the South Bay area is a consistent point of concern for many customers.

Key Features and Considerations

• Member-Owned Model: As a credit union, Golden 1 prioritizes its members' financial success.
• Competitive Rates: Typically offers competitive interest rates on loans and savings accounts.
• Personalized Service: Aims to provide a more individualized and attentive service experience compared to larger banks.
• Accessibility: Features wheelchair accessibility for patrons with mobility needs.
• Convenient Location: Situated in a central San Jose location, although parking can be challenging.

Overall, Golden 1 Credit Union – San Jose presents itself as a viable financial institution for residents and businesses in San Jose and the surrounding areas. While challenges related to parking and branch locations persist, the branch's commitment to accessibility and efficient service, along with its member-focused approach, contributes to its continued operation. The website (golden1.com) offers detailed information about products, services, and branch locations. Potential clients are encouraged to consider their individual needs and preferences, particularly regarding location and parking, when evaluating whether Golden 1 Credit Union – San Jose is the right choice for their financial services.

👍 Reviews of Golden 1 Credit Union - San Jose

Dennis ?.

3/5

I moved recently from Sacramento, now settled in Sunnyvale for a new job near tech. This branch is the closest one near me. Finding parking is kind of a challenge around this area. I really wished there were more accessible branches located in South Bay. Regarding the service, usually there's not a long line near closing 4-5pm. I only came to get a cashier's check for an apartment deposit. They got it done in less than 5 minutes.

Location is a huge factor for me, so I am most likely going to transfer to another credit union with branches closer to me.

raul J.

2/5

Yup is really true they look too tired when is no customers and didn’t even have a customer maniac smile, also they don’t have no more gifts like before at the entrance. Also looks like they are not getting paid because they are very lazy!!!

Michael A.

1/5

Extremely frustrating that no one has updated the branch hours online. Online it says this branch is open until 5pm. When I arrived everything was closed and the sign on the door says they close at 4pm

Steven Z.

1/5

Do NOT bank here. They literally stole my money. I opened a new account, direct deposited my paycheck and they proceeded to lock my account and all the funds. I went to the branch, showed them my valid drivers license and passport (and reminded them it was direct deposit from my employer) and they said they need my social security card and proof of residency (a bill for the place in my name). An hour later I brought in my social security card, my car registration, a title to a boat, my rental lease and a bill for greenwaste, all in my name with the same address. This wasn’t enough for them. They asked that I call in later that day, then they asked that I check in Monday, then they said the documents “need to upload to the cloud”, then they said they didn’t see the address on the lease I provided. It took threats to call the police for stealing my money and another nearly 2 hours of persistently not taking no for an answer before they finally relented and cleared my account. Lol, after all that they suggested I keep my account with them, “I no longer trust this credit union, please give me my money and close my account”.

Ang L.

1/5

My first experience with Golden One CU unfortunately was not what I expected.
To start off, at an organization level, they seem to not care for Shared Branching members as the 'verification system' they use is nothing but overkill. Why would my ID (license) number has to match if they get updated every few years? Ignoring the fact that I have my SB account #, my name/DOB/address on file all match my ID, I also could've confirmed my SSN. I'm convinced that this credit union only wants to service their own members, and makes it difficult for anyone else to access their account. Perhaps, they should rethink their participation in CO-OP if that's the case.
Then, at the branch level, there was no eye contacts or acknowledgements to any of the mbrs that walked in. The branch did not feel welcoming. Also, it didn't make sense to me as to why the teller would help the mbr that had left the branch and came back and cut in front of the line, rather than helping the next in line.
Overall, it's puzzling how they operate and preach 'putting people first', I should've read the prior reviews and saved my time by visiting another credit union.

Laura K.

4/5

My usual go‐to for my credit union needs. However, lately, I have been unable to deposit cash into my account, and it will only take checks. That gave me a decently long walk for nothing... oh well, though. Still a stellar little atm

Nate U.

4/5

Update hours please. Came on a Saturday and paid for parking. Customer service is typically good here.

Cecilia R.

1/5

I am not happy with service. I called last week to get a debit card because someone used it and the bank canceled. They said it would be open Saturday. When I got there it was closed. I was so angry because I drove 45 minutes to get to the bank. I had no money to get gas. I will be closing my account with you.