Golden Valley Credit Union Manteca CA | Best Auto Loans & Business Banking

Introduction

Welcome to Golden Valley Federal Credit Union, where your financial well-being is our priority! Located at 409 W Center St, Manteca, CA 95336, we have been serving our community since 1957. With a membership base of over 3,285 individuals, we pride ourselves on being a trusted partner for all your banking needs. At Golden Valley, we understand that each member's financial journey is unique. That's why we offer a wide array of services tailored just for you whether it's personal banking, auto loans, mortgages, or business banking solutions. Our total assets stand strong at $40,490,808, backed by $5,328,384 in deposits and a solid net worth of $4,163,596. We are committed to helping you achieve your financial goals with confidence. Led by our dedicated CEO, Joann Wenk, and Board President Michael Edward, our team of 9 employees works tirelessly to foster a friendly and supportive environment. We believe in building lasting relationships with our members and making a positive impact in the community. While you can visit us at our branch location for any inquiries or transactions, if you need to send official correspondence, please use our mailing address: 409 W Center St, Manteca, CA 95336. Ready to take the next step in your financial journey? Give us a call at (209) 825-5878, or explore more about our offerings at goldenvalleyfcu.org. Join us today and experience the difference that comes from being part of the Golden Valley family!

Branch History & Mission

Community Focus

Golden Valley's dedication to community support is evident in everything we do. From low-interest loans for families in need to educational workshops designed to improve financial literacy among our members, we focus on creating opportunities for all. By being ADA compliant and investing in digital advancements such as mobile applications and online banking services, we ensure that everyone can benefit from our offerings.

Join Us

We invite you to experience the difference at Golden Valley Federal Credit Union. Whether you're looking for your first bank account or seeking guidance on a major loan decision, we're here to help you navigate your financial journey. Visit us during our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM or give us a call at 209-825-5878. Join us today and become part of a family that truly cares about your financial success!

Our Mission

The mission of Golden Valley Federal Credit Union is simple yet profound: to provide reliable financial services while fostering a sense of belonging within the community. We aim to enhance the lives of our members by offering personalized banking experiences tailored to their unique needs. Our commitment includes ensuring that our services are accessible through various channels like online banking and mobile payments. While members can visit us at 409 W Center St, official correspondence should be sent to 409 W Center St, Manteca, CA 95336 if it differs from the branch address.

Our Story

Since our inception, Golden Valley has focused on empowering individuals and families through accessible financial solutions. From humble beginnings, we have evolved into a trusted institution that offers a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We believe that everyone deserves access to quality financial resources, and this belief drives us every day. Our location in Manteca is not just about banking; it's about community. We strive to be more than a financial institution by actively engaging in outreach efforts that support local initiatives. Whether it's sponsoring community events or partnering with local organizations, our mission extends beyond our doors.

Branch Location & Accessibility

A Personal Touch

At Golden Valley Federal Credit Union, we believe in building strong relationships with our members. Whether you're looking for checking accounts, auto loans, or business banking solutions, our knowledgeable staff is here to guide you every step of the way. While visiting us at 409 W Center St is encouraged for all banking needs, please note that official correspondence should be sent to the same address. We invite you to stop by and discover how we can support your financial journey. Join us at Golden Valley Federal Credit Union today your trusted partner in personal finance!

Easy Access and Parking

Our location offers ample parking, allowing you to visit us without the hassle of searching for a spot. We also have features in place to ensure accessibility for everyone, including ADA-compliant entrances and ramps. Whether you're coming in for personal banking or to discuss loans and financial services, we've designed our space with your convenience in mind.

Operating Hours and Services

Golden Valley Federal Credit Union is here for you during our friendly operating hours: Monday through Thursday from 9 AM to 5 PM, and Friday from 9 AM to 6 PM. If you need assistance outside of these hours, feel free to reach out at 209-825-5878; our dedicated team is always ready to help. In addition to our welcoming lobby, we also provide ATM services for quick cash withdrawals and balance checks. While we don't have drive-thru banking at this location, we strive to make your experience as smooth as possible inside the branch.

Member Eligibility

At Golden Valley, we believe in building a community where everyone is welcome and supported. Becoming a member is not just about opening an account; it's about joining a family that cares for your financial well-being. If you live, work, or worship in San Joaquin County, you're already eligible to join us! We also extend our membership to immediate family members of current members, making it easy for loved ones to benefit from our services. To learn more about the specific eligibility criteria, feel free to visit our detailed page at http://www.goldenvalleyfcu.org/about-us/#whocanjoin . Getting started is simple! Just stop by our branch located at 409 W Center St Manteca Ca 95336, or give us a call at (209) 825-5878 if you have any questions. We're here to help you through the account opening process, which you can also begin online at https://www.mobicint.net/shp/loanapp/list . We can't wait to welcome you to the Golden Valley family!

Business Banking & Commercial Services

Commercial Loans That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to our loan options, we offer merchant services that simplify transactions for your business. Imagine how easy it would be to accept payments from customers using various methods credit cards, mobile payments, and more all integrated into one reliable system. This allows you to focus on what you do best: running your business. Located at 409 W Center St Manteca Ca 95336, Manteca, CA, our team is ready to assist you. Give us a call at (209) 825-5878 or visit us during our lobby hours for personalized support. Together, let's build a brighter future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM services allow easy withdrawals and balance checks without any hassle. With our ATM conveniently located at the branch, accessing your money is straightforward. We invite you to explore these services and more at Golden Valley Federal Credit Union. For any questions or assistance, don't hesitate to reach out at 209-825-5878 or visit us in person! Join us today and take control of your financial future; together we can achieve great things!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it simple and affordable. We understand that purchasing a vehicle is a significant decision, so we work with you to find a loan that fits your budget. With competitive rates and flexible terms, getting behind the wheel has never been easier.

Business Banking

For our entrepreneurial members, we offer comprehensive business banking services including merchant services and business loans. We know how vital it is for small businesses to have reliable financial support, so we work closely with you to ensure you're set up for success.

Credit Cards with Rewards

Our credit cards come packed with rewards that make spending more rewarding! From cash back on everyday purchases to travel perks, you'll earn benefits that align with your lifestyle. Enjoy the convenience of cashless transactions while reaping rewards along the way.

Mortgage Loans & Refinancing

Whether you're buying your first home or refinancing an existing mortgage, our mortgage loans are tailored to help you achieve your homeownership dreams. Our experienced team will guide you through the process, ensuring you understand each step while securing favorable rates for long-term savings.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Golden Valley provides robust online and mobile banking features. Check balances, transfer funds, pay bills, or deposit checks right from your smartphone or computer anytime and anywhere.

Personal Banking

When it comes to managing your money, having the right accounts can make all the difference. At Golden Valley, we offer personal banking solutions including checking and savings accounts designed to help you save while enjoying easy access to your funds. Imagine being able to deposit your paycheck and watch your savings grow effortlessly!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you're not alone. We provide options that can help ease financial burdens and simplify payments into one manageable monthly amount. It's about giving you peace of mind during challenging times.

Digital & Online Banking

At Golden Valley, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, our online tools empower you to take control of your banking needs. Our online banking platform, accessible at https://goldenvalleyfcu.org , is available 24/7, giving you the freedom to check balances, transfer funds, and pay bills whenever it suits you. You can even make quick person-to-person transfers, making it simple to send money to friends and family with just a few taps. With our user-friendly mobile application, banking is literally at your fingertips. You can manage your accounts anytime, anywhere, making it perfect for those who are always on the move. Plus, if you're someone who loves convenience, our mobile payments feature allows you to pay for goods and services directly from your phone. For those who prefer paperless transactions, we offer e-statements that help you keep track of your finances while being environmentally friendly. And if you need to sign documents quickly, our electronic signature authorization service lets you do just that no more waiting for paper forms to arrive in the mail. Security is a top priority for us at Golden Valley. Our digital services are designed with robust security measures so you can bank confidently knowing your information is safe. By choosing Golden Valley, you're not just getting access to modern banking tools; you're gaining a partner committed to helping you manage your financial life easily and effectively. Join us today and experience the convenience of digital banking!

Financial Strength

Lending Capacity

We support our members' financial goals with $502 in used auto loans and $23,828,285 in total loans and leases. This robust lending capacity allows us to offer flexible financing solutions across various sectors.

Member-Centric Approach

Unlike traditional banks, we prioritize our members. With non-member deposits at $2,239,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $3,625,538 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment enables us to provide a wide range of services designed to meet your needs.

Secure Savings Options

Members' savings are secured through $1,979,214 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have no money market shares, our focus remains on delivering value through secure saving options tailored to our members' needs.

Strong Financial Foundation

With a net worth of $4,163,596, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,028 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnership

Total Share and Deposit Accounts stand at 5,305, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $71,313, demonstrating our ability to support your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Golden Valley is your trusted partner. Visit us at 409 W Center St Manteca Ca 95336 or call (209) 825-5878 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,868,025 in used vehicle loans and $3,833,232 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable pre-owned option, our flexible financing options can make it happen.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $989,238 in loans helping members manage their finances effectively. Our credit card offerings come with various features designed to suit different spending habits while providing tools for responsible budgeting.

Credit Lines

For those seeking additional flexibility in their finances, our total credit lines amount to $4,000,000. This provides members with the ability to access funds when needed without the hassle of applying for multiple loans. As always, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're ready to explore these loan options further or have any questions about eligibility requirements and refinancing possibilities, don't hesitate to reach out! You can visit us at our branch located at 409 W Center St Manteca Ca 95336 or give us a call at 209-825-5878 during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Let's work together towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,266,711, make buying or refinancing simple. We aim to provide affordable solutions tailored to your specific needs. If you're interested in refinancing your current mortgage or want to learn more about eligibility options, our team is here to assist you every step of the way.

Loan Aggregator

Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

GOLDEN VALLEY FEDERAL CREDIT UNION