The Golden 1 Credit Union Carmichael CA: Best Auto Loans & Business Banking

Introduction

At The Golden 1, we pride ourselves on being more than just a financial institution; we are a trusted partner in your journey toward financial wellness. Located at 4005 Manzanita Ave Ste 60, Carmichael, CA 95608, our branch has been serving the community since 1933. Over the years, we've built strong relationships with our members, supporting them through their unique financial needs. With over 1,132,440 members and total assets exceeding $19.58 billion, The Golden 1 is committed to providing exceptional service tailored to you. Our dedicated team of 2,082 employees works tirelessly to ensure that your banking experience is smooth and satisfying. Under the leadership of our CEO, Donna Bland, and Board President, Keri Thomas, we focus on fostering an inclusive environment where every member feels valued and heard. While members can visit us at our Carmichael location for all their banking needs, official correspondence should be sent to our headquarters in Sacramento. We manage a robust portfolio with total loans exceeding 485,183, reflecting our dedication to helping you achieve your goals whether it's securing an auto loan or financing your dream home. With total deposits amounting to $777,140,260 and a net worth of $2,041,864,607, we have a solid foundation to support your financial aspirations. Our commitment to community impact is evident in our diverse range of services from personal banking solutions like checking accounts and credit cards with rewards to business banking services that help local entrepreneurs thrive. We invite you to explore what makes us different. Visit us at The Golden 1 or call us at 916-732-2900 today. Whether you're looking for advice or ready to open an account, our friendly staff is here to assist you every step of the way!

Branch History & Mission

Community Commitment

Our dedication extends beyond banking. We actively engage in local outreach initiatives aimed at improving the lives of residents in Carmichael and surrounding areas. By partnering with local organizations and participating in community events, we strive to make a positive impact. While you can visit us at 4005 Manzanita Ave Ste 60, any official correspondence can be sent to our mailing address if needed. We're also here to assist you during our operating hours: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM.

Join Us

As we continue this journey together, we invite you to become part of The Golden 1 family. Experience firsthand how we prioritize your financial well-being while nurturing the community around us. Visit us today or explore more about membership benefits here or apply today. Together, let's build a brighter future!

Our Journey

From our humble beginnings, The Golden 1 has evolved significantly over the decades. We have embraced changes in technology while maintaining our commitment to personalized service. Today, we proudly manage assets totaling over $19.5 billion, a testament to the trust placed in us by our members. Our mission has always been clear: to provide accessible and affordable financial services while uplifting the communities we serve.

Our Mission

At The Golden 1, we believe that banking should be about more than just transactions; it's about building relationships and supporting one another. Our mission is to empower members through exceptional financial services that enhance their lives. Whether it's through personal banking options like checking and savings accounts or helping businesses thrive with tailored solutions, our focus remains on community support and financial growth. We are proud to offer services such as auto loans, mortgages, personal loans, and credit cards with rewards all designed with our members' needs in mind. Additionally, we prioritize accessibility by providing online and mobile banking options, ensuring that our members can manage their finances conveniently.

Branch Location & Accessibility

Convenient Access

The branch is situated near well-known landmarks, making it easy to stop by while running errands. Our location offers ample parking, ensuring that your visit is hassle-free. We are committed to making banking accessible for everyone, featuring ADA-compliant entrances and ramps.

Get in Touch

If you have any questions or need assistance before your visit, feel free to call us at 916-732-2900. We're here to help! We invite you to come by and experience the welcoming atmosphere of The Golden 1 in Carmichael your trusted partner in finance!

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us Monday through Friday from 10 AM to 5 PM and on Saturday from 10 AM to 2 PM. This means you can easily fit a trip to the bank into your schedule!

Services Offered

At The Golden 1, we pride ourselves on providing a wide variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you with all your banking inquiries. Need cash? Our ATM is available on-site for quick withdrawals and balance checks.

Member Eligibility

Becoming a member of The Golden 1 is like joining a family that truly cares about your financial well-being. If you're looking to enhance your banking experience, you'll be pleased to know that eligibility is open to individuals who live or work in the areas we serve, as well as their family members. This means if you're part of our community or have loved ones who are, you can easily enjoy the benefits that come with membership. The Golden 1 offers a range of services tailored to meet your needs, from checking and savings accounts to loans and credit cards with rewards. Getting started is simple! Just visit us at our welcoming location at 4005 Manzanita Ave Ste 60 Carmichael Ca 95608, or give us a call at (916) 732-2900 if you have any questions. For detailed eligibility requirements, check out our resource at http://www.golden1.com/membership-benefits. When you're ready to take the next step, you can open an account online by visiting http://www.golden1.com/apply-today. Joining The Golden 1 means joining a supportive community focused on helping you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services make transactions easier for businesses. Imagine processing payments quickly and securely while managing your cash flow effectively. Our solutions help you accept payments from customers seamlessly, giving you more time to focus on what matters most growing your business. Visit us at 4005 Manzanita Ave Ste 60 Carmichael Ca 95608 in Carmichael, CA, or call us at (916) 732-2900 to learn how we can assist you in reaching your business goals.

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility Made Simple

Our branch is equipped with essential ATM services for basic transactions such as withdrawals and balance checks. We strive to ensure that all members have easy access to their accounts whenever they need it. If you're ready to explore these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (916) 732-2900 or visit our website at https://www.golden1.com/ for more information. At The Golden 1, we're here for all your financial needs!

Business Banking Services

For entrepreneurs and business owners, we offer specialized services like merchant services and business loans that can help streamline operations and fuel growth. Your success is important to us, and we're here to support your journey.

Digital Banking at Your Fingertips

In today's fast-paced world, convenience matters. That's why at The Golden 1, we provide robust online and mobile banking features that allow you to manage your finances anytime, anywhere. Whether you need to check your balance or transfer money using our ATM & cash withdrawal services, we've made banking as easy as possible.

Personal Banking Solutions

Whether you're opening your first checking account or looking for ways to save, we have you covered. Our personal banking services include checking and savings accounts designed to fit various lifestyles. Need a new car? Our auto loans and vehicle financing options make it easier for you to drive off in your dream vehicle without breaking the bank. Plus, if you're considering buying a home, our mortgage loans and refinancing services can guide you through the process smoothly.

Support for Life's Financial Challenges

Life can throw unexpected expenses your way. With our personal loans and debt consolidation options, we aim to ease your financial burdens and help you get back on track. For those who enjoy rewards while spending, our credit cards with rewards give you the benefit of earning points on everyday purchases.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your account balances, transfer funds, and pay bills anytime, anywhere. Need to send money quickly? Our person-to-person transfer feature makes it simple to send cash to friends or family without the hassle of writing checks or finding an ATM. Plus, if you prefer managing your finances on the go, our mobile application puts everything you need right at your fingertips.

Mobile Payments

Want to make payments even easier? Our mobile payments feature allows you to pay directly from your smartphone, making everyday transactions smoother than ever. Whether you're shopping in-store or online, using your phone has never been more convenient. At The Golden 1, we're committed to providing accessible and user-friendly digital banking solutions. Join us today and experience the ease of managing your finances on your terms!

Security and Convenience

Your security is a top priority for us. That's why we offer electronic signature authorization for quick transactions while ensuring that your information remains protected. Additionally, with e-statements available, you can say goodbye to paper clutter and access your statements securely online whenever you need them.

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. 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 4005 Manzanita Ave Ste 60 Carmichael Ca 95608 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Member-Focused 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 $82,266,177 reflects our operational efficiency, enabling 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 Better Services

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 lending capacity supports your financial goals with $122,383 in used auto loans and $14,251,111,689 in total loans and leases.

Strong Financial Position

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 terms and competitive interest rates that make financing your next vehicle easier than ever.

Business Financing

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We know how important it is to have access to funds when you need them most. If you're considering refinancing any existing loans or exploring eligibility options for our services, please don't hesitate to reach out. You can contact us at 916-732-2900 for personalized assistance from our friendly staff. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what stage you're at in your financial journey, The Golden 1 is here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $633,013,903, making buying or refinancing simple. Whether you're a first-time buyer or looking to move up, our team will guide you through the process and help you find the best option for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $605,216,049 in loans helping members manage their finances effectively. These cards come with various benefits that can help you earn rewards while keeping your spending in check.

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