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

Introduction

Welcome to The Golden 1, your trusted financial partner in the heart of Davis, CA! Located at 508 2Nd St Ste 101, Davis, CA 95616, our branch has been serving the community since 1933. With over 1,132,440 members and total assets exceeding $19.58 billion, we are proud to offer a wide range of financial services tailored to meet your needs. At The Golden 1, we understand that banking is more than just numbers; it's about building relationships and supporting our members in their financial journeys. Our team, led by CEO Donna Bland and Board President Keri Thomas, is dedicated to providing personalized service and expert guidance. With a robust portfolio that includes 485,183 loans and leases and total deposits of $777,140,260, we're committed to ensuring that your money works for you. In addition to traditional banking services, we offer innovative solutions like online and mobile banking, making it easier than ever to manage your finances on the go. Whether you're looking for auto loans, mortgage options, or business banking services, we've got you covered. While members can visit us at our convenient location in Davis, official correspondence should be sent to our mailing address if it differs from the branch address. If you have any questions or need assistance, don't hesitate to reach out at (916) 732-2900. Join us today and experience why The Golden 1 is more than just a credit union it's a community committed to helping you achieve your financial goals! Visit our website at golden1.com for more information or to open an account. We look forward to serving you!

Branch History & Mission

Community Focus

Being rooted in Davis means more than just providing financial services; it's about being part of the community. At The Golden 1, we actively participate in local events and initiatives that support education, health, and well-being for all residents. We work hand-in-hand with local organizations to promote economic development and enhance the quality of life in our area. We also prioritize digital advancements to better serve you. Our online banking platform offers features like mobile payments and person-to-person transfers, making it easier than ever to manage your finances on the go. As you consider becoming part of our family at The Golden 1, know that you're joining a credit union that values people over profits. Whether you're looking for straightforward banking solutions or personalized support from our team, we're here for you every step of the way. Feel free to reach out at 916-732-2900 or visit us online at www.golden1.com for more information on membership benefits or how to open an account today! Join us and experience firsthand what makes The Golden 1 a cherished part of the Davis community.

Our Mission

At The Golden 1, our mission is simple yet powerful: to empower our members through exceptional service and innovative financial products. We believe that everyone deserves access to affordable banking options. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions. We are dedicated to helping you achieve your financial goals while fostering a sense of community and trust. We also understand the importance of accessibility. Our branch provides convenient operating hours from Monday to Friday from 10:00 AM to 5:00 PM and on Saturday from 10:00 AM to 2:00 PM. While we currently do not offer drive-thru banking, we ensure that all members can access their accounts easily through our ATM services available on-site.

Branch Location & Accessibility

Contact Us Today!

If you have any questions or need assistance, don't hesitate to give us a call at 916-732-2900. We invite you to visit us soon and experience the exceptional service that The Golden 1 is known for! Your financial journey starts here come see how we can help you achieve your goals!

Operating Hours

We're here for you Monday through Friday from 10:00 AM to 5:00 PM and on Saturdays from 10:00 AM to 2:00 PM. Whether you need assistance with personal banking, auto loans, or credit cards with rewards, our friendly staff is ready to help during these hours.

Parking and Accessibility Features

Our branch offers convenient parking options nearby, making it easy for you to stop by and take care of your banking needs. We also ensure that our location is ADA compliant, with ramps and accessible entrances for all members of our community.

Services Offered

At The Golden 1 Davis branch, we pride ourselves on providing a range of services tailored to meet your financial needs. From checking and savings accounts to mortgage loans and personal loans for debt consolidation, we have solutions designed just for you. Plus, enjoy the convenience of ATM services right at your fingertips!

Member Eligibility

Becoming a member of The Golden 1 feels like joining a welcoming family that truly cares about your financial well-being. If you're looking to become part of our community, you'll be glad to know that eligibility is open to anyone who lives, works, or attends school in California. This means you can enjoy the benefits of personalized service and a range of financial products tailored just for you. Plus, as a member, you'll have access to competitive rates on loans and savings accounts, along with helpful resources designed to support your financial journey. To kickstart your membership at The Golden 1, simply visit us at 508 2Nd St Ste 101 Davis Ca 95616 or give us a call at (916) 732-2900. You can also find more detailed information about eligibility by checking out this resource: Membership Benefits. When you're ready, the account opening process is straightforward and can be done online through our website: Apply Today. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Imagine securing the funding to expand your operations, hire new talent, or invest in cutting-edge equipment. 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

In addition to loans, we offer merchant services that make transactions smoother for your customers. Picture this: your business can accept payments easily whether online or in-person, ensuring a better experience for everyone involved. By utilizing our services, you can focus on what truly matters growing your business. Located at 508 2Nd St Ste 101 Davis Ca 95616 in Davis, CA, our team is ready to partner with you on your journey to success. Call us at (916) 732-2900 to learn more about how we can support your business ambitions!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we offer comprehensive business banking services, including merchant services and business loans. These tools are designed to support small businesses in achieving their goals while ensuring smooth operations day-to-day.

Credit Cards

With our credit cards featuring rewards, members can earn points on everyday purchases. Imagine earning cash back or travel points just for using your card! This not only helps you save but also makes spending more rewarding.

Digital Banking Features

We understand that convenience is key in today's fast-paced world. That's why we provide robust online and mobile banking options that allow you to manage your accounts anywhere, anytime. From checking balances and transferring funds to paying bills, everything is at your fingertips. Plus, with ATM access for withdrawals and balance checks, you can easily access cash when needed. At The Golden 1, we believe in making financial services accessible and straightforward for everyone in Davis. If you're interested in exploring any of these services further or have any questions, don't hesitate to reach out at (916) 732-2900 or visit us online at Davis. We're excited to assist you in achieving your financial goals!

Home Financing

For those looking to buy their dream home or refinance an existing mortgage, our mortgage loans and refinancing services are tailored to fit various financial situations. We work closely with our members to understand their unique needs and help them navigate the home-buying process smoothly.

Personal Banking

Whether you're just starting out or planning for your future, our personal banking options have you covered. We offer checking and savings accounts that come with user-friendly features, making it simple to manage your money. Imagine being able to check your balance or transfer funds anytime with just a few taps on your mobile device.

Personal Loans

Life can be unpredictable, which is why we offer personal loans and debt consolidation solutions. Whether you're facing unexpected expenses or looking to simplify your finances by consolidating debt, we're here to help you find the right solution that fits your budget.

Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options provide competitive rates that can help you get behind the wheel without breaking the bank. With easy online applications, you can secure financing from the comfort of your home, allowing you to focus on choosing the right vehicle instead of worrying about finances.

Digital & Online Banking

24/7 Access

With our 24/7 online banking services, you'll have real-time access to your accounts whenever you need it. Our user-friendly interface ensures that even those who aren't tech-savvy will find it easy to navigate. And if you're interested in mobile payments, we've got you covered! Enjoy the freedom of paying securely with just your phone. At The Golden 1, we prioritize your financial needs by offering innovative solutions that keep you connected and in control. Experience the future of banking today!

Key Features

Our online banking platform, accessible through https://www.golden1.com/, allows you to check balances, pay bills, and transfer funds with ease. You can sign up for e-statements, making it simple to stay organized while reducing paper clutter. Plus, our electronic signature authorization feature means you can complete important transactions without the hassle of printing or mailing documents.

Mobile Convenience

For those on the go, our mobile application is available for download, enabling you to conduct transactions directly from your smartphone. Whether you're out shopping or relaxing at home, you can send money through person-to-person transfers, making it easy to split bills or send gifts to friends and family.

Financial Strength

A Growing Community

We have built a strong community of trust, as shown by our total share accounts reaching 2,432,889. This growing member base reinforces our commitment to serving you effectively. 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 508 2Nd St Ste 101 Davis Ca 95616 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Commitment to Innovation and Service

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 across various sectors, with $122,383 in used auto loans and $14,251,111,689 in total loans and leases.

Member Savings and Growth

Your savings are secure with us. We have $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 robust operational efficiency is highlighted by a net income of $82,266,177, which enables us to continue offering competitive loan rates and solid financial products tailored for our members. We also take pride in having 2,047 full-time employees and 35 part-time employees ready to assist you with knowledgeable service.

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 offer flexible terms and refinancing options to ensure that you find the perfect fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We understand how important it is for local businesses to have access to funds that help them thrive. At The Golden 1, we are dedicated to providing transparent lending options tailored to your unique situation. If you're interested in learning more about eligibility or how refinancing might work for you, don't hesitate to reach out! You can contact us at (916) 732-2900 or visit us at our branch located at 508 2Nd St Ste 101 Davis Ca 95616 in Davis, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take your next financial step 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. Whether you're a first-time buyer or looking to upgrade, our team is here to guide you through every step of the process.

Unsecured Credit Cards

Managing expenses can be easier with our flexible unsecured credit card loans, with a total of $605,216,049 in loans helping members manage their finances effectively. These cards come with rewards and low rates, giving you the purchasing power you need without breaking the bank.

Loan Aggregator

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