The Golden 1 Credit Union Lincoln CA: Top Auto Loans & Business Banking

Introduction

Welcome to The Golden 1 in Lincoln, where we believe that banking should be as friendly as your neighbor. Located at 415 S State Highway 65 Ste B, we are proud to serve our community since 1933, providing personalized financial solutions tailored to meet your needs. Whether you're looking for a checking account, an auto loan, or business services, we have you covered with a range of options designed just for you. At The Golden 1, trust is at the heart of what we do. With over 1,132,440 members and total assets of $19,582,379,014, we strive to create a strong and supportive environment for everyone who walks through our doors. Our dedicated team of 2,082 employees, led by CEO Donna Bland and Board President Keri Thomas, is here to ensure that your banking experience is smooth and beneficial. While members can visit us at 415 S State Highway 65 Ste B, official correspondence should be sent to the same address for consistency. We take pride in our robust financial health, showcasing a net worth of $2,041,864,607 and total deposits amounting to $777,140,260. With a commitment to helping our community thrive, we've issued over 485,183 loans and leases. Your success is our priority. That's why we're always ready to assist you with everything from personal banking needs to business loans. Plus, enjoy the convenience of online banking and mobile payments so you can manage your finances anytime and anywhere. If you're looking for a financial partner who truly cares about your well-being, look no further than The Golden 1 in Lincoln. Give us a call at (916) 732-2900 or visit our website at golden1.com to learn more about how we can help you achieve your financial goals today!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of The Golden 1 family. Whether you're looking for personal banking solutions or ways to support your business, we are here for you every step of the way. Experience firsthand how being a member means more than just having a bank account; it means being part of a supportive community committed to your success. For more information about membership benefits or to open an account today, please visit our website or call us at (916) 732-2900. Let's grow together!

Our Journey

Located at 415 S State Highway 65 Ste B, Lincoln, CA 95648, our branch has witnessed significant milestones. From humble beginnings to becoming a trusted financial partner for countless families and businesses, we have always prioritized the needs of our community. Our location is easy to find, and we are proud to be part of the vibrant Placer County. As we have grown, so has our commitment to innovation and accessibility. We offer modern banking solutions like online banking and mobile payments while ensuring ADA compliance so everyone can access our services without barriers. Our dedicated team is here to provide personal banking options such as checking accounts, auto loans, mortgage loans, and business banking services.

Our Mission

The mission of The Golden 1 is straightforward yet impactful: we strive to improve the financial well-being of our members and support our community's growth. We believe in empowering individuals by providing tools and resources that help them achieve their financial goals. Our focus goes beyond just transactions; we actively engage in community outreach programs aimed at making a positive difference in the lives of those around us. While members can visit us at our Lincoln branch for all their banking needs during our operating hours Monday through Friday from 10 AM to 5 PM and Saturday from 10 AM to 2 PM official correspondence should be sent to our mailing address: 415 S State Highway 65 Ste B, Lincoln, CA 95648-9351.

Branch Location & Accessibility

Local Landmarks and Accessibility

Our branch is situated near several familiar spots, making it a breeze for locals to drop by. With ample parking available right outside, accessing our services is hassle-free. We are proud to be ADA-compliant, ensuring everyone can easily navigate our facility with features like ramps and accessible entrances.

Operating Hours and Services

The Golden 1 is open Monday through Friday from 10 AM to 5 PM and on Saturdays from 10 AM to 2 PM. These hours are designed with your convenience in mind, allowing you to visit during times that fit your busy schedule. Inside, you'll find a variety of services tailored just for you. From checking and savings accounts to auto loans and mortgages, we're committed to helping you achieve your financial goals. Plus, enjoy the ease of using our ATM for quick cash withdrawals and balance checks whenever needed.

Visit Us Today!

We invite you to come visit us at The Golden 1 in Lincoln! Our friendly team is ready to help you navigate your banking journey. If you have questions or need assistance before stopping by, feel free to give us a call at 916-732-2900. Your financial well-being is important to us, and we look forward to serving you!

Member Eligibility

Joining the vibrant community at The Golden 1 is not just about opening an account; it's about becoming part of a family that cares for its members. Located at 415 S State Highway 65 Ste B Lincoln Ca 95648, we welcome individuals who live, work, or worship in our community. Whether you're looking for personal banking options, auto loans, or just a place to save, there's a spot for you here. The eligibility criteria are straightforward and inclusive, allowing many to access our range of services designed with your needs in mind. For the most current and detailed information on eligibility, feel free to explore this link: http://www.golden1.com/membership-benefits . Becoming a member is easy! You can start your journey today by visiting us or checking out our online application process at http://www.golden1.com/apply-today . If you have any questions or need assistance, don't hesitate to reach out to us at (916) 732-2900. We're here to help you every step of the way as you join The Golden 1, where your financial well-being is our priority!

Business Banking & Commercial Services

Business Loan Options

Imagine securing the funding needed to launch a new product line or upgrade your 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

Our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine the ease of accepting payments seamlessly, whether online or in-store. With tools tailored for your operations, you can enhance customer satisfaction and streamline transactions. Visit us at 415 S State Highway 65 Ste B Lincoln Ca 95648 in Lincoln, CA or call us at (916) 732-2900 to learn more about how our business banking solutions can help you thrive.

Comprehensive List Of Services

Convenient Access Anytime

With our ATM & cash withdrawal services, accessing your funds is easy and convenient. You can make withdrawals or check balances at any time without needing to visit a branch during business hours.

Financing Your Dreams

When it comes to financing, we've got you covered! If you're in the market for a new vehicle, consider our auto loans and vehicle financing options. Picture yourself driving off in that car you've always wanted, all while enjoying flexible terms that fit your budget. Additionally, if you're thinking about buying a home or refinancing your current mortgage, our mortgage loans and refinancing solutions can help make that dream a reality.

Get Started Today!

We invite you to explore these comprehensive services at The Golden 1. Our friendly team is ready to assist you with any questions or needs you may have. Feel free to call us at (916) 732-2900, or visit us 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. Ready to take the next step? Visit us online at https://www.golden1.com/ or check out how you can become a member today here. At The Golden 1, we're here for you every step of the way!

Helping You Consolidate Debt

Life can be unpredictable, and sometimes debt can feel overwhelming. Our personal loans and debt consolidation services are here to help you regain control of your finances. We understand the importance of having manageable payments that suit your lifestyle.

Personal Banking Made Simple

Whether you're looking to open a new checking or savings account, our personal banking services are designed for everyone. Imagine managing your daily expenses effortlessly with our checking and savings accounts. Not only do we offer competitive rates, but we also provide the tools you need to keep track of your finances through our online and mobile banking platforms.

Rewards for Your Spending

Looking for ways to earn rewards while you spend? Our credit cards with rewards are designed with you in mind. Each purchase brings you closer to exciting rewards that can enhance your everyday life.

Supporting Local Businesses

For local entrepreneurs, we offer specialized business banking services, including merchant services and business loans. We understand the challenges small businesses face and aim to provide tailored solutions to help them thrive.

Digital & Online Banking

24/7 Access

With 24/7 online banking services, you can access your accounts whenever you need to, without waiting for branch hours. Whether it's checking your balance at midnight or transferring funds during lunch breaks, we're here to support you every step of the way. Join us at The Golden 1 where managing your finances becomes a breeze through our innovative digital banking solutions. Experience the freedom of having your bank right in your pocket!

Convenient Online Services

With our online banking platform, you can check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, our user-friendly interface makes it easy for you to manage your money efficiently. Plus, if you prefer going paperless, we offer e-statements that are not only environmentally friendly but also help you keep your financial records organized.

Enhanced Security Features

Your security is our priority. We use advanced encryption methods to protect your information while ensuring that services like electronic signature authorization allow for secure transactions without the need for physical paperwork. You can rest easy knowing that we take every measure to keep your data safe.

Mobile Banking at Your Fingertips

For those who love managing their finances from their mobile devices, our mobile application is perfect for you. It includes features like mobile payments, allowing you to make purchases quickly and securely using just your phone. Need to send money to a friend? Our person-to-person transfers feature makes it simple and hassle-free.

Financial Strength

At The Golden 1, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to provide you with a strong foundation built on trust and reliability. 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. 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. 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. 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. Total Share Accounts stand at 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 415 S State Highway 65 Ste B Lincoln Ca 95648 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 competitive financing options that make it easier than ever to drive home in the vehicle you want.

Business Loans

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 for businesses to have access to funds when opportunities arise.

Credit Lines and Unsecured Loans

If you're looking for flexibility in managing your finances, 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. Additionally, our total credit lines amounting to $10,047,012,483 provide various options for those needing access to credit when it matters most.

Mortgage Options

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 assist you through every step of the process, ensuring you feel confident in your investment.

Refinancing and Eligibility

We invite you to explore our refinancing options if you're looking for lower rates or better terms on existing loans. Check out our eligibility requirements at this link to see how easy it is to become a member and start benefiting from our loan offerings today! For more information or assistance, don't hesitate to reach out! Call us at (916) 732-2900, and let's discuss how we can help you achieve your financial dreams. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Aggregator

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THE GOLDEN 1 CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans