Type of Loan Offerings
Home Equity Loans
Mortgage Loans
Personal Loans
Program Name
APR
Term
Amount
Link
Vehicle Loans
Introduction
Welcome to The Golden 1 in Folsom, where we believe in putting our members first and empowering them with the financial tools they need to succeed. Located at 1117 E Bidwell St, Folsom, CA 95630, our branch is more than just a place for transactions; it's a community hub where trust and support come together. Since opening our doors in 1933, we have proudly served over 1,132,440 members, providing personalized service and a wide range of financial products tailored to meet your unique needs. At The Golden 1, we understand that financial stability is essential. That's why we manage total assets of approximately $19,582,379,014 and maintain a net worth of $2,041,864,607. We're committed to offering competitive loans and savings options currently boasting around 485,183 loans and leases with total deposits reaching $777,140,260. Our dedicated team of 2,082 employees is here to assist you every step of the way. Led by our CEO, Donna Bland, and Board President Keri Thomas, we are passionate about fostering a strong sense of community while promoting financial wellness among our members. Whether you're looking for auto loans or personal banking services, you can count on us to be your reliable partner. While members can visit us at 1117 E Bidwell St, official correspondence should be sent to the same address as there's no separate mailing address provided. For any inquiries or assistance, feel free to reach out via phone at 916-732-2900. We invite you to explore all that The Golden 1 has to offer by visiting our website at golden1.com. Let us help you achieve your financial goals today!
Branch History & Mission
Join Us
As we look towards the future, we invite you to be part of our journey. Whether you're seeking personal banking options or business solutions, The Golden 1 is here for you every step of the way. Experience the difference of being a member-focused credit union where your needs come first. Join us today and discover how we can help you achieve your financial goals! For more information or assistance, feel free to call us at 916-732-2900 or explore our website here.
Mission Statement
Our mission at The Golden 1 is simple yet profound: We strive to empower individuals and families by providing access to quality financial products and services while fostering a sense of community. We believe that supporting local initiatives and outreach programs strengthens the fabric of Folsom and surrounding areas. Through partnerships with local organizations and community events, we are committed to making a positive impact. While members can visit us at 1117 E Bidwell St, official correspondence should be sent to the same address as we do not maintain a separate mailing address.
Our Evolution
Throughout the decades, The Golden 1 has continually adapted to meet the needs of our members. We've embraced technological advancements to enhance banking experiences while ensuring that every member feels valued and understood. Our branch offers modern conveniences like online banking and mobile payments, making it easier than ever for you to manage your finances on the go. In addition to digital services, we've maintained our commitment to personal interactions. Our team is dedicated to building relationships with members, offering personalized guidance for everything from checking accounts to auto loans. While we no longer have a drive-thru service, we encourage you to visit us during our lobby 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
Easy Access and Parking
We understand that accessibility is important. Our branch features ADA-compliant entrances and ample parking, ensuring that everyone can visit us with ease. Whether you're coming in for personal banking services or to discuss loan options, you'll find our location welcoming and convenient.
Operating Hours
At The Golden 1 in Folsom, we strive to accommodate your busy schedule. Our lobby hours are Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. This flexibility allows you to manage your banking needs without the hassle of strict time constraints.
Services Tailored for You
We offer a variety of services designed to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and more. Plus, for those who prefer self-service, we have an ATM available for quick cash withdrawals and balance checks.
Stay Connected
Should you have any questions or need assistance, don't hesitate to give us a call at 916-732-2900. Our team is always ready to help! Whether you're already a member or considering joining us, we invite you to visit The Golden 1 in Folsom today. Experience firsthand how we can support your financial journey!
Member Eligibility
At The Golden 1, we believe that everyone deserves a supportive financial community, and becoming a member is the first step to accessing a range of benefits tailored just for you. Membership is open to individuals who live, work, or worship in our local community. If you meet these criteria, you're already on your way to joining us! We offer an inviting atmosphere where you can take advantage of our personalized services and competitive rates that truly set us apart. To learn more about the specific eligibility details, feel free to visit our website at http://www.golden1.com/membership-benefits. Opening an account with us is straightforward and welcoming. You can get started right away by visiting http://www.golden1.com/apply-today. If you have any questions or need assistance, don't hesitate to reach out at (916) 732-2900; our friendly team is here to help! Experience the difference of being part of The Golden 1 where your financial goals are our priority!
Business Banking & Commercial Services
Practical Merchant Services
But we don't stop at loans. Our merchant services provide essential tools to manage your transactions effortlessly. Imagine being able to accept payments seamlessly, whether you're at a brick-and-mortar location or on the go. With our solutions, you can focus more on serving your customers and less on managing payments. Located conveniently at 1117 E Bidwell St Folsom Ca 95630, Folsom, CA, we're here to support your business needs. Reach out to us at (916) 732-2900 to explore how we can help your business thrive!
Tailored Loan Options for 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.
Comprehensive List Of Services
Auto Loans & Financing
Thinking about getting a new car? Our Auto Loans & Vehicle Financing options make it easy to drive away in the vehicle you want. We offer competitive rates and flexible terms tailored to fit your budget, ensuring that financing your next vehicle is both simple and stress-free.
Business Banking Services
If you're a business owner, we haven't forgotten about you! Our Business Banking services include Merchant Services & Business Loans, providing the support needed to grow your business. From accepting payments to securing financing for expansion, we're here to help your business thrive.
Convenient Digital Banking Features
At The Golden 1, we understand that convenience matters. That's why we offer an array of digital banking features such as Online & Mobile Banking, allowing you to bank on-the-go. Access ATMs easily with our cash withdrawal services or perform basic transactions like balance checks without hassle. With so many valuable services available at The Golden 1, we're confident you'll find exactly what you need to meet your financial goals. If you have any questions or would like more information about how we can assist you further, don't hesitate to call us at (916) 732-2900 or visit us during our convenient hours from Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. Come visit us today at 1117 E Bidwell St Folsom Ca 95630, and let's work together towards achieving your financial dreams!
Credit Cards with Rewards
For those who enjoy earning rewards on their purchases, our Credit Cards with Rewards program offers great benefits tailored just for you. Enjoy cash back or travel rewards while making everyday purchases it's a win-win!
Mortgage Loans & Refinancing
Homeownership is within reach with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance your current mortgage for better rates, our knowledgeable staff will guide you through every step of the process, helping you find the best solution for your situation.
Personal Banking Solutions
Whether you're looking to save for a dream vacation or need everyday access to your funds, our Personal Banking options, including Checking & Savings Accounts, are here for you. With easy online and mobile banking, managing your finances has never been simpler. You can check balances, transfer money, and even pay bills right from your phone or computer.
Personal Loans & Debt Consolidation
Life can be unpredictable, and sometimes you may need extra funds. Our Personal Loans & Debt Consolidation options provide a straightforward way to manage expenses or consolidate debt into one manageable payment. Our team can help you explore your options and find what works best for you.
Digital & Online Banking
At The Golden 1, we understand that convenience and security are key to your banking experience. That's why we offer a comprehensive range of digital and online banking services designed to fit your busy lifestyle. With just a few clicks or taps, you can manage your finances anytime, anywhere, all while knowing that your information is secure. Our online banking platform, accessible through https://www.golden1.com/, allows you to check balances, pay bills, and transfer funds with ease. You'll also find the option for electronic signature authorization, making it simple to complete transactions without the hassle of paperwork. Plus, with e-statements available, you can go paperless and keep track of your finances in an environmentally friendly way. If you're on the go, our mobile application offers all the features you need right at your fingertips. From mobile payments to person-to-person transfers, managing your money has never been easier. Whether you're buying coffee or splitting a bill with friends, our mobile payments feature makes transactions quick and effortless. With 24/7 online banking services available at The Golden 1, you're never far from access to your accounts. You can enjoy real-time account management that empowers you to stay on top of your finances wherever life takes you. Our user-friendly tools are designed for everyone, so even if technology isn't your strong suit, you'll find navigating our digital services a breeze. In summary, The Golden 1 is committed to providing you with modern banking solutions that prioritize both convenience and security. Explore our digital offerings today and experience how easy managing your money can be!
Financial Strength
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 also impressive, with $122,383 in used auto loans and $14,251,111,689 in total loans and leases supporting members' financial goals across various sectors. Our operational efficiency shines through with a net income of $82,266,177, enabling us to continue offering competitive loan rates and solid financial products for our members.
Conclusion
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 1117 E Bidwell St Folsom Ca 95630 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.
Dedicated Team
We take pride in having 2,047 full-time employees and 35 part-time employees who are always ready to serve you with knowledgeable support. The total number of share accounts is impressive as well, with 2,432,889, reflecting the trust that over 1 million members place in us.
Member-Focused Resources
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.
Solid Foundation
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 financing for both new and used vehicles, ensuring you have access to funds when you need them most.
Business Loans
For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business, our team is here to assist with personalized solutions.
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 aim to provide straightforward processes so that you can focus on finding the perfect home without the stress of complicated financing.
Refinancing Options
If you're considering refinancing any of your current loans, speak with us about eligibility options. We're dedicated to helping you find ways to lower your payments or access additional cash through our refinancing programs. At The Golden 1, our commitment is not just about offering loans but about providing pathways for our members to achieve their dreams. For more information on our loan products or to start an application, give us a call at (916) 732-2900 or visit us at 1117 E Bidwell St Folsom Ca 95630 in Folsom, 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 the next step towards your financial future!
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 credit cards allow you to make purchases while enjoying the benefits of low interest rates and no collateral requirements.
Loan Aggregator
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