The Golden 1 Credit Union Chico CA: Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to The Golden 1 in Chico, where our mission is to empower our community through reliable financial services and personal connections. Located at 239 W 2Nd St Ste 1, Chico, CA 95928, we have been proudly serving our members since 1933. With a deep commitment to the needs of our more than 1,132,440 members, we aim to provide exceptional banking experiences tailored to each individual. At The Golden 1, we understand that trust is essential in banking. That's why we've built a solid foundation with total assets amounting to an impressive $19,582,379,014. Our membership benefits from secure deposits totaling $777,140,260 and a net worth of $2,041,864,607, ensuring that your finances are in safe hands. We also have substantial cash reserves of $747,087,746, which allows us to respond effectively to your financial needs. Led by our dedicated CEO Donna Bland and Board President Keri Thomas, our team of over 2,082 employees is here to support you every step of the way. Whether you're looking for checking and savings accounts or need assistance with auto loans or mortgages, we offer a range of services designed to help you achieve your financial goals. We invite you to visit us at our branch or reach out via phone at (916) 732-2900 for any inquiries. Explore how The Golden 1 can make a positive impact on your financial journey today! For more information about our offerings and membership eligibility, check out our website at golden1.com.

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of The Golden 1 family. Experience firsthand the benefits of membership where your financial goals are prioritized alongside community welfare. Visit us today or check out our website at www.golden1.com to learn more about how we can assist you!

Our Journey

Since opening our doors, The Golden 1 has been on a journey of growth and community engagement. Each year has brought new milestones that reflect our commitment to providing exceptional financial services. We have expanded our offerings beyond just basic banking to include auto loans, mortgages, credit cards with rewards, and business banking solutions. This evolution has been driven by our desire to meet the diverse needs of our members while promoting financial well-being across Chico and beyond. Over the decades, we've embraced technological advancements to enhance your banking experience. Today, we offer online banking, mobile payments, and e-statements all designed to make managing your finances simpler and more efficient. Accessibility is also key; we ensure ADA compliance so everyone can benefit from our services.

Our Mission

At The Golden 1, our mission goes beyond providing financial products; it's about fostering a sense of community. We believe in supporting local initiatives and outreach programs that enrich the lives of those around us. Whether it's partnering with local organizations or sponsoring events that bring people together, we are dedicated to making a positive impact. We strive to empower our members through education and resources that promote financial literacy. Our goal is not only to help you achieve your financial dreams but also to support you every step of the way. While members can visit us at 239 W 2Nd St Ste 1 Chico Ca 95928, official correspondence should be sent to nan, nan, nan nan if different. Feel free to reach out at (916) 732-2900 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.

Branch Location & Accessibility

Convenient Access

At The Golden 1, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring that everyone can visit us without any hassle. Plus, our location offers ample parking space so you can get in and out with ease. If you need to drop off official correspondence, please remember that while you can visit us at our branch address, all mail should be sent to our mailing address for processing.

Get In Touch

Have questions? We'd love to hear from you! Give us a call at 916-732-2900 or come on down and see how we can help make your financial journey smoother. At The Golden 1, we're more than just a bank; we're your community partner. We look forward to welcoming you soon!

Operating Hours

We know your time is valuable! That's why we've designed our operating hours to fit your busy schedule. Visit us Monday through Friday from 10:00 AM to 5:00 PM and on Saturdays from 10:00 AM to 2:00 PM. We're here during those times to answer questions and provide personalized service.

Services Offered

The Golden 1 provides a variety of services tailored for everyone whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing. And don't forget about our convenient ATM services available on-site! Unfortunately, we currently do not offer drive-thru banking or shared service center access at this location.

Member Eligibility

Becoming a member of The Golden 1 means joining a welcoming community that puts your needs first. If you live, work, or worship in our service area, you're likely already eligible to open an account with us! We also welcome family members of current members, which means there's a good chance you can join our supportive family. At The Golden 1, we pride ourselves on offering personalized services and benefits that truly make a difference in your financial journey. To learn more about the specific eligibility requirements, feel free to visit our detailed page at http://www.golden1.com/membership-benefits . Ready to take the next step? Opening an account is simple and straightforward! Just check out our account opening details at http://www.golden1.com/apply-today or give us a call at (916) 732-2900 if you have any questions. We're here to help you every step of the way as you embark on this exciting journey with us at The Golden 1, located at 239 W 2Nd St Ste 1 Chico Ca 95928.

Business Banking & Commercial Services

Commercial Loans Tailored for You

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 That Make Sense

Imagine having a reliable partner who simplifies payment processing while you focus on running your business. Our merchant services help streamline transactions, whether you're accepting card payments at a retail store or processing online sales. This means faster checkouts, better customer experiences, and ultimately, more time to devote to what you love growing your business. Located at 239 W 2Nd St Ste 1 Chico Ca 95928 in Chico, CA, we invite you to discover how The Golden 1 can help elevate your business today. For inquiries, reach us at (916) 732-2900 during our operating hours: Monday - Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM.

Comprehensive List Of Services

Convenience and Accessibility

We recognize the importance of convenience in today's fast-paced world. That's why we offer Online & Mobile Banking features such as mobile payments and person-to-person transfers. Need cash? Our ATM services ensure you have quick access whenever you need it. Whether you're visiting us at The Golden 1, calling us at (916) 732-2900, or managing your account online at our website, we're always here to help. In conclusion, whether you're opening a checking account or applying for a loan, you'll find that our array of services is designed with members like you in mind. We invite you to explore what The Golden 1 has to offer and see how we can assist you on your financial journey today!

Credit Cards and Business Banking

Additionally, we provide Credit Cards with Rewards that give back on every purchase. Enjoy cashback on groceries or travel rewards while you spend wisely! If you're a business owner, our Business Banking services are here to assist you too. From merchant services that simplify payment processing to business loans that help fuel growth, we are committed to supporting local entrepreneurs.

Loans and Financing

If you're considering purchasing a new car or refinancing your home, our Auto Loans & Vehicle Financing provide flexible terms that work for you. We understand that buying a vehicle is an important decision, so we offer competitive rates to help ease the financial burden. For those looking for a place to call home, our Mortgage Loans & Refinancing options are crafted to meet your needs whether it's your first home or an investment property. For members facing unexpected expenses, our Personal Loans & Debt Consolidation services can help simplify your finances. With straightforward terms, these loans allow you to focus on what matters most without being overwhelmed by debt.

Personal Banking

We offer a variety of Personal Banking options designed to fit your lifestyle. Our checking and savings accounts make managing your money easy and efficient. You can easily set up automatic transfers to save for that special vacation or unexpected expenses. Plus, with our online and mobile banking features, you can check your balance or pay bills from anywhere.

Digital & Online Banking

Key Services

Our online banking features make it easy for you to handle transactions with just a few clicks. You can easily set up e-statements, which means you'll receive your account statements electronically no more waiting for paper copies! Plus, if you need to sign documents, our electronic signature authorization service lets you do so quickly and securely from the comfort of your home. For those on the go, our mobile application provides a user-friendly interface where you can check balances, transfer funds, and even make person-to-person payments effortlessly. Whether you're sharing expenses with friends or paying for services, our person-to-person transfer feature makes it simple.

Security and Accessibility

We prioritize your security while offering all these conveniences. Our mobile payments feature allows you to pay safely using your smartphone. The app is designed not only to be secure but also intuitive, so you spend less time worrying about how to use it and more time enjoying the benefits. Real-time account management is at your fingertips with The Golden 1. You can track spending habits, manage savings goals, and stay updated with notifications that keep you informed about your account activity. In summary, our digital and online banking services at The Golden 1 are tailored to provide convenience without compromising security. Join us today and experience banking that fits into your lifestyle!

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $0. 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 239 W 2Nd St Ste 1 Chico Ca 95928 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 is robust, with $122,383 in used auto loans and $14,251,111,689 in total loans and leases supporting your financial goals across various sectors.

Operational Efficiency

Our financial strength is also reflected in our operational efficiency with a net income of $82,266,177, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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.

Secure Savings Options

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.

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. Whether you're looking for a reliable used car or a brand-new model, our team is here to guide you through the process.

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 need funds for inventory, equipment, or other operational costs, we're here to support your entrepreneurial journey. If you're considering refinancing any existing loans or would like to learn more about eligibility options, please reach out. Our knowledgeable staff at The Golden 1, located at 239 W 2Nd St Ste 1 Chico Ca 95928, Chico, CA, is ready to assist you. You can contact us at (916) 732-2900 during our operating hours: Monday - Friday 10:00 AM - 5:00 PM and Saturday 10:00 AM - 2:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to explore how our loan offerings can help you take the next step toward achieving your financial goals today!

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 work with you to provide flexible terms that fit your budget and lifestyle, ensuring a smooth transition into your new home.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. Our credit cards come with competitive rates and rewards that can benefit you every time you use them.

Loan Aggregator

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THE GOLDEN 1 CREDIT UNION - Chico, CA

Type of Loan Offerings

Personal Loans