The Golden 1 Credit Union

In the heart of Fresno, The Golden 1 branch at 2970 E Nees Ave is your welcoming community partner for comprehensive financial solutions. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays until 2:00 PM, this branch offers convenient ATM services for quick cash withdrawals and balance checks to keep your banking simple. Whether you’re aiming to secure one of the best auto loans tailored to your budget or exploring low mortgage rates for buying or refinancing your home, The Golden 1 team is here to help you every step of the way.
Serving over 1.13 million members with assets exceeding $19.5 billion, this Fresno location provides a full range of personal and business banking services. From rewarding credit cards and flexible checking and savings accounts to business loans, merchant services, personal loans, and debt consolidation—you’ll find solutions designed around your unique lifestyle. Plus, enjoy seamless online and mobile banking that keeps your finances accessible anytime.
Visit The Golden 1 branch at 2970 E Nees Ave in Fresno or call 916-732-2900 today. Experience friendly local service—contact us for personalized guidance and discover how our signature auto loans and mortgage offerings can drive your financial future forward!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
heloc
Home Equity Line of Credit
4.99 %
60 %
heloc
Home Equity Line of Credit
7.44 %
heloc
Home Equity Line of Credit
7.625 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
ADJUSTABLE
5-Year SOFR ARM
6.375 %
6.749 %
5.0 Yrs
JUMBO
ADJUSTABLE
5-Year SOFR ARM
5.875 %
6.553 %
5.0 Yrs
JUMBO
FIXED
30-Year Fixed
6.75 %
6.762 %
0.125
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal loan
8.89 %
3 - 5 Yrs
$10,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
6.04 %
Other
6.94 %
5 Yrs

Introduction

Welcome to The Golden 1 at 2970 E Nees Ave, Fresno, CA 93720! With a proud history dating back to 1933, we have been dedicated to serving our community for over 90 years. Our commitment goes beyond just financial services; we strive to build lasting relationships with our members and foster a supportive environment where everyone can thrive. At The Golden 1, we're proud to serve over 1.1 million members, providing a range of products designed to meet your financial needs. With total assets amounting to an impressive $19,582,379,014, and total deposits reaching $777,140,260, you can trust that your money is in safe hands. Our CEO, Donna Bland, and Board President, Keri Thomas, lead a team of 2,082 employees who are passionate about helping you achieve your financial goals. Whether you're looking for auto loans where we've financed over 485,183 loans or need assistance with personal banking services like checking and savings accounts, we're here for you. We also offer business banking solutions tailored for entrepreneurs in our community. Plus, enjoy the convenience of online and mobile banking whenever you need it. While you can visit us at our branch location, official correspondence can be directed to our mailing address if necessary. If you have questions or need support, don't hesitate to reach out! Call us at 916-732-2900 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. Join us on this journey toward better financial health. Visit our website at golden1.com to learn more about our services or get started today by applying online! Your future begins here at The Golden 1 where community comes first.

Branch History & Mission

The Golden 1 has a rich history that dates back to its opening in 1933. Located at 2970 E Nees Ave in Fresno, CA, our branch has grown alongside the community we serve. Over the years, we've transformed from a small credit union into a trusted financial partner for over 1.1 million members. With total assets of approximately $19.58 billion, we pride ourselves on being a solid financial foundation for our community. Our mission is straightforward yet powerful: to provide exceptional financial services while making a positive impact in the lives of our members and the communities we serve. We focus on delivering personal banking solutions such as checking and savings accounts, auto loans, mortgages, and more. Our commitment extends beyond just banking; we actively support local initiatives and partnerships aimed at improving the quality of life in Fresno and surrounding areas. As we embrace modern technology, we have ensured that our services are accessible and user-friendly. Members can take advantage of online and mobile banking options, making transactions convenient whether you're at home or on the go. Our ATM services are available to ensure easy access to your funds anytime you need them. While members can visit us at 2970 E Nees Ave Fresno CA 93720, official correspondence should be sent to our mailing address if it differs from this location. We invite everyone to experience the friendly service and community spirit that defines The Golden 1. With operating hours from Monday to Friday, 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM, we're here for you when you need us. Join us today and discover how being part of The Golden 1 can benefit you financially while supporting your community! For more information or to become a member, visit us at The Golden 1.

Branch Location & Accessibility

Welcome to The Golden 1, your trusted partner in financial services! Conveniently located at 2970 E Nees Ave in Fresno, CA, our branch is easily accessible for all your banking needs. Whether you're stopping by for personal banking or exploring options like auto loans and credit cards with rewards, we're here to help you every step of the way. While our main location is at 2970 E Nees Ave, please note that we do not have a separate mailing address. So feel free to reach out or visit us directly at this address for all your correspondence. Situated in the vibrant neighborhood of Fresno, our branch is close to several local landmarks, making it easy to drop by while you're out and about. Parking is available right outside, ensuring that your visit is as smooth as possible. Plus, we are proud to be ADA compliant, offering ramps and accessible features so everyone can enjoy our services comfortably. We understand that your time is valuable. That's why we offer convenient operating hours Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. Our friendly team is ready to assist you during these times, whether you need help with checking accounts, savings options, or anything else. At The Golden 1, we also provide ATM services for quick cash withdrawals and balance checks whenever you need them. While we don't have drive-thru banking at this location, our dedicated staff is always available inside the branch to ensure you receive personalized service tailored to your needs. So why wait? Come visit us at The Golden 1 today! If you have any questions or want more information about our services, feel free to give us a call at 916-732-2900. We look forward to welcoming you!

Member Eligibility

At The Golden 1, we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. If you're wondering how to join us, becoming a member is simple and welcoming! To be eligible, you typically need to live, work, or worship in the areas we serve. Our mission is to foster inclusivity, so we encourage anyone who meets these criteria to explore membership with us. You can find detailed information about eligibility on our website at http://www.golden1.com/membership-benefits. Opening an account with us is just as easy! Whether you're looking for checking and savings accounts, auto loans, or other financial services, we've got you covered. Just visit our account opening page at http://www.golden1.com/apply-today, or give us a call at (916) 732-2900 if you have any questions. We're excited to help you get started on your journey with The Golden 1 at 2970 E Nees Ave Fresno Ca 93720!

Business Banking & Commercial Services

Financing Solutions 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 a Difference

When it comes to everyday transactions, our merchant services can streamline your operations and enhance customer experiences. Imagine accepting payments quickly and securely, allowing you to focus on what truly matters growing your business. From mobile payments to easy online transactions, we offer practical tools that keep your cash flow steady and your customers happy. Visit us at 2970 E Nees Ave Fresno Ca 93720 in Fresno, CA or give us a call at (916) 732-2900 to learn more about how we can assist you in achieving your business goals.

Comprehensive List Of Services

Always Here for You

Whether you're visiting us in person or accessing our services online, we prioritize making banking as easy as possible for our members. With extended hours Monday through Saturday, we're here when you need us. Are you ready to take the next step towards better financial health? Visit us at The Golden 1, explore our offerings online at Fresno Nees, or give us a call at (916) 732-2900. We look forward to helping you achieve your financial dreams!

Business Banking Services

For entrepreneurs and small business owners, we've got you covered too. Our business banking services include merchant services that simplify payment processing and tailored business loans designed to support your growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features, allowing you to manage your accounts anytime, anywhere. Need cash? Our ATM services provide easy access for withdrawals and balance checks right when you need it.

Personal Banking Solutions

Managing your personal finances shouldn't be complicated. At The Golden 1, we offer various checking and savings accounts that fit different lifestyles. If you're considering buying a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. For those looking to purchase their dream home or refinance an existing mortgage, our competitive mortgage loans ensure you find a plan that works for you. If life throws unexpected expenses your way, don't worry! Our personal loans and debt consolidation services can help you regain control over your finances. Plus, with our credit cards featuring rewards, every purchase can bring you closer to exciting benefits.

Digital & Online Banking

Key Features

One of the standout features at The Golden 1 is our electronic signature authorization. This allows you to sign documents securely online without needing to visit a branch. It's perfect for those who value both time and safety in their financial transactions. Additionally, we offer e-statements that provide an eco-friendly way to stay updated on your account activity. No more waiting for paper statements in the mail; you'll receive them directly in your inbox. Need to send money quickly? Our person-to-person transfer service lets you send funds to friends and family with ease, making splitting bills or sharing expenses hassle-free. Plus, if you're a fan of modern payment options, our mobile payments feature allows you to make purchases using just your phone convenience at its best! At The Golden 1, we prioritize user-friendly experiences along with top-notch security measures, ensuring that your information remains safe while you enjoy real-time account management. Whether you're at home or out and about, our digital banking services are designed with your lifestyle in mind. Embrace the ease of online banking today!

Financial Strength

Investment in Member Benefits

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

Member Trust

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 further illustrates our ability to support our community 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 2970 E Nees Ave Fresno Ca 93720 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $82,266,177, 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.

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

At The Golden 1, we understand that financial needs vary from person to person. Whether you're looking to purchase a vehicle, buy a home, or manage your day-to-day expenses, we offer a range of loan products designed to help you achieve your financial goals. With over 485,183 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular; if you're looking to buy a new car, our offerings include over $2,384,962,486 in new vehicle loans and $2,488,185,507 in used vehicle loans already helping members get on the road. We pride ourselves on offering some of the lowest rates in the industry, making it easier for you to drive away in the vehicle you desire. 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 can guide you through each step of the process to ensure that you find a solution that fits your budget and lifestyle. For those looking for flexible spending options, we also provide unsecured credit card loans with a total of $605,216,049 in loans helping members manage their finances effectively. This allows you to make purchases as needed while maintaining control over your finances. If you're a business owner, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand your business operations. We work closely with local businesses to tailor solutions that meet their specific needs. We believe that refinancing options should be accessible too. If you're considering refinancing any existing loans, speak with us about eligibility options available at The Golden 1. We're here to answer your questions and help you navigate through all available choices. For more information on any of our loan products or services, feel free to reach out at (916) 732-2900 or visit us at our branch located at 2970 E Nees Ave Fresno Ca 93720 in Fresno, 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 toward achieving your financial aspirations!

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