The Golden 1 Credit Union Atascadero CA: Affordable Auto Loans & Business Banking

Introduction

Welcome to The Golden 1 branch in Atascadero, where we believe that financial services should be as approachable and friendly as your neighbor. Located at 8727 El Camino Real, Atascadero, CA 93422, our branch has proudly served the community since 1933. With a commitment to our members' needs, we offer a range of services designed to help you achieve your financial goals. As part of a larger family of over 1.1 million members, we understand the importance of building trust and fostering strong relationships. Our total assets exceed $19.5 billion, enabling us to provide comprehensive banking solutions tailored just for you. With over $777 million in deposits and a net worth of $2.04 billion, our stability offers peace of mind while you focus on what matters most. At The Golden 1, we are not just about numbers; we're about people. Our dedicated team of 2,082 employees, led by CEO Donna Bland and Board President Keri Thomas, works tirelessly to ensure you receive the best service possible. Whether you're looking for auto loans, mortgages, or personal banking options, we strive to make every transaction smooth and straightforward. While members can visit us at our Atascadero location, feel free to reach out with any inquiries at (916) 732-2900 or explore our website at www.golden1.com for more information on membership benefits and account opening. Join us today and experience how The Golden 1 is dedicated to empowering your financial journey!

Branch History & Mission

Community Impact

We believe that strong communities are built through collaboration and support. Over the years, The Golden 1 has engaged in various partnerships and outreach efforts aimed at enhancing local initiatives. From sponsoring local events to supporting schools and nonprofits, we actively participate in creating opportunities for growth and development within Atascadero. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address if it differs from our physical location. Additionally, our digital advancements ensure that you have access to online banking options such as mobile payments and electronic statements for your convenience.

Join Us

As we continue to grow and evolve with the community's needs, we invite you to become part of The Golden 1 family. Experience the benefits of membership today! Visit us at The Golden 1 or call us at 916-732-2900 for more information about how we can help you achieve your financial dreams. Together, let's build a brighter future for ourselves and our community!

Our Mission

At The Golden 1, our mission goes beyond just offering financial services. We are dedicated to empowering our members by helping them achieve their financial goals while fostering community well-being. We understand that financial health is essential for everyone, and that's why we offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our aim is to be more than just a bank; we strive to be a trusted partner in your journey toward financial success. Our branch operates with a focus on accessibility and convenience. We are open Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM to accommodate your busy schedule. Plus, with ATM availability on-site, you can access your funds whenever you need them.

Branch Location & Accessibility

Welcome to The Golden 1, your friendly neighborhood credit union located at 8727 El Camino Real in Atascadero, California. Situated in the heart of San Luis Obispo County, our branch is easily accessible and conveniently located near local landmarks that make banking a breeze for our members. At The Golden 1, we believe that accessibility matters. Our branch features ADA-compliant facilities, ensuring that everyone can enjoy a comfortable banking experience. Ample parking is available right outside our doors, making it easy for you to stop by whenever you need assistance. Although we do not currently offer drive-thru services, our welcoming lobby is open for personal service. You can visit us Monday through Friday from 10:00 AM to 5:00 PM and Saturdays from 10:00 AM to 2:00 PM. Whether you're here for personal banking, auto loans, or mortgage refinancing, our dedicated staff is ready to help you with all your financial needs. While members can visit us at our physical location, please note that official correspondence should be sent to the same address as our branch. If you have any questions or need assistance, feel free to give us a call at 916-732-2900. Join us at The Golden 1 and experience how easy and friendly banking can be! We look forward to serving you soon!

Member Eligibility

Welcome to the warm and inviting community of The Golden 1! If you're looking to become a member, you'll be pleased to know that joining us is simple and welcoming. To qualify for membership, individuals who live, work, or attend school in the area are encouraged to apply. We believe in supporting our local community, so whether you're a longtime resident or new to the area around 8727 El Camino Real Atascadero Ca 93422, we'd love to have you with us. Becoming a member at The Golden 1 comes with fantastic benefits, including access to personalized financial services tailored just for you. From checking accounts and auto loans to credit cards with rewards, we have something for everyone. If you're ready to take this step, check out the detailed eligibility criteria at http://www.golden1.com/membership-benefits . And when you're set to open your account, simply visit us online at http://www.golden1.com/apply-today or give us a call at (916) 732-2900. Join us today and experience the difference of being part of our supportive family!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $120 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $9 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $594,122,356, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine processing payments quickly and securely while focusing on what you do best running your business. Our solutions help streamline operations, making it easier for you to serve your customers effectively. Visit us at 8727 El Camino Real Atascadero Ca 93422 in Atascadero, CA, or call us at (916) 732-2900 to learn how our business banking and commercial services can support your success!

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and businesses, we provide tailored business banking solutions, including merchant services and business loans. We recognize the importance of supporting local businesses and are committed to helping them thrive in our community.

Credit Cards and Rewards

To enhance your purchasing power, we offer credit cards with rewards that allow you to earn points on every purchase. This means you can enjoy benefits while managing your finances effectively.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at The Golden 1, we've invested in online and mobile banking platforms that allow you to manage your finances anytime and anywhere. With features like mobile payments, person-to-person transfers, and easy access to ATM services for withdrawals and balance checks, banking has never been easier. Whether you're visiting us at our branch located at 8727 El Camino Real Atascadero Ca 93422, or reaching out by phone at 9167322900, our team is here to support you every step of the way. Ready to take control of your finances? Join us today at The Golden 1! Visit our website for more information on how we can help you achieve your financial goals!

Home Financing Options

Thinking about owning a home? Our mortgage loans and refinancing options make it easier than ever to secure your dream property or adjust your current mortgage terms to better suit your needs. We work closely with our members to ensure they find the right solution that fits their financial situation.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts designed to fit various lifestyles. If you're planning a big purchase or simply want to build your savings, our accounts provide the flexibility and features you need. For those considering buying a new car, our auto loans and vehicle financing options can help you drive off with confidence. We understand that life can sometimes throw financial challenges your way, which is why our personal loans and debt consolidation services are here to assist you in managing expenses effectively.

Digital & Online Banking

Embrace Mobile Payments

If you're always on the move, our mobile payments feature is perfect for you. It lets you make purchases directly from your smartphone, simplifying everyday transactions. At The Golden 1, we are committed to providing accessible and efficient banking solutions that help you manage your financial life in real-time. Discover how our digital and online banking services can enhance your experience today!

Key Features for Your Convenience

With our 24/7 online banking services, you can check balances, transfer funds, and pay bills with just a few clicks. Our user-friendly mobile application makes it even easier to manage your money from the palm of your hand. Plus, if you need to send money to friends or family, our person-to-person transfer feature allows you to do so quickly and securely.

Security You Can Trust

We prioritize your security with electronic signature authorization. This means you can sign documents digitally without worrying about the safety of your information. Additionally, e-statements are available for those who prefer a paperless option making it easier to keep track of your finances while reducing clutter.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 2,432,889, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Golden 1 is your trusted partner. Visit us at 8727 El Camino Real Atascadero Ca 93422 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $4,565,491,792 in share certificates and $3,862,119,266 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $300,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our financial performance is further highlighted by our $82,266,177, which reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2,047 full-time employees and 35 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Improvement

With $1,920,233,614 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support your financial goals is reflected in our $122,383 in used auto loans and $14,251,111,689 in total loans and leases.

Strong Financial Health

With a net worth of $2,041,864,607, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,041 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,488,185,507 in used vehicle loans and $2,384,962,486 in new vehicle loans already helping members get on the road. We provide flexible financing options and competitive rates to ensure you can drive away in the vehicle you want without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to enhance an existing one, our tailored loan solutions can help you achieve success. At The Golden 1, we also offer refinancing options for many of our products, allowing you to lower your payments or access cash for other needs. If you're interested in learning more about eligibility requirements or how we can assist you further, don't hesitate to reach out at (916) 732-2900. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at 8727 El Camino Real Atascadero Ca 93422 in Atascadero, CA, or check out our website for more information on how we can help you take control of your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $633,013,903, make buying or refinancing simple. We have programs available for first-time buyers and those looking to refinance their existing mortgages, offering personalized guidance every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses is made easier with our flexible terms on unsecured credit card loans. We currently have $605,216,049 in loans helping members effectively manage their finances. Enjoy benefits such as no annual fees and rewards programs that fit your lifestyle.

Loan Aggregator

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THE GOLDEN 1 CREDIT UNION - Atascadero, CA

Type of Loan Offerings

Personal Loans