The Golden 1 Credit Union Modesto CA: Top Checking & Auto Loans

Introduction

Welcome to The Golden 1 in Modesto, where community and financial well-being come together! Established in 1933, we have proudly served our members for over 90 years, building a legacy of trust and commitment. With a total membership of 1,132,440 and assets exceeding $19.58 billion, we aim to provide you with personalized financial solutions that cater to your unique needs. Located at 2001 Mchenry Ave Ste F, Modesto, CA 95350, our branch is dedicated to helping you achieve your financial goals. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we have you covered. Our experienced team, led by CEO Donna Bland and Board President Keri Thomas, is here to guide you every step of the way. While members can visit us at our Modesto branch for all their banking needs, we encourage you to explore our website at golden1.com for more information about our services or to apply for an account today. You can also reach us at (916) 732-2926 if you have any questions or need assistance. At The Golden 1, we believe in making a positive impact in the communities we serve. With total deposits amounting to $777,140,260 and a net worth of $2,041,864,607, we're not just about numbers; we're about empowering our members through financial education and support. Join us as we continue to grow together. Visit us today or give us a call we're excited to help you on your journey toward financial success!

Branch History & Mission

Join Us!

As we look toward the future, The Golden 1 remains dedicated to providing excellent service while adapting to changing needs. We invite you to become part of our growing family. Experience firsthand how we can help you reach your financial aspirations by visiting us or checking out our website at golden1.com. Let's build a brighter financial future together! If you have any questions or need assistance, feel free to call us at 916-732-2926.

Our Evolution

From our humble beginnings nearly nine decades ago, The Golden 1 has continually evolved to meet the needs of our members. We started with a vision to provide affordable financial services to individuals and families. As we've expanded our offerings from personal banking and auto loans to business banking we have also embraced technology. Today, we offer robust online and mobile banking services that make it easier for our members to manage their finances on the go. Our commitment to accessibility doesn't stop there; we ensure that everyone can benefit from our services through ADA compliance and user-friendly digital platforms. We understand the importance of connecting with our community, which is why we actively participate in local outreach programs and partnerships that support various initiatives within Modesto.

Our Mission

At the heart of The Golden 1 is our mission: to empower every member to achieve their financial goals while fostering a sense of belonging and community support. We aim not just to offer competitive rates and products but also to create an environment where everyone feels valued and supported. While members can visit us at 2001 McHenry Ave Ste F, official correspondence should be sent to this address as well. Our operating hours are designed for your convenience Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 3:00 PM. We also feature ATM availability for easy access to cash and other transactions. Although we don't have drive-thru service at this location, we ensure that all banking needs are met promptly inside the branch.

Branch Location & Accessibility

Getting Here and Parking

Situated near popular landmarks, our location is easily accessible. You can find ample parking available right outside our branch, ensuring that your visit is hassle-free. We take pride in being ADA compliant, so anyone can comfortably navigate our facilities.

Join Us!

We invite you to stop by The Golden 1 today! Our team is eager to welcome you and help you with all your financial needs. Come experience the difference that personalized service can make!

Operating Hours

Our friendly team is here to assist you during convenient hours! We're open Monday through Friday from 10:00 AM to 5:00 PM and on Saturdays from 10:00 AM to 3:00 PM. Whether you're coming in before work or on the weekend, we make it easy for you to fit banking into your busy schedule.

Services Offered

At The Golden 1, we offer a variety of services tailored to meet your needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we have something for everyone. We also provide credit cards with rewards and business banking options. Plus, with our ATM available on-site, accessing your cash is simple and straightforward. While members can visit us at our Modesto branch for all their banking needs, any official correspondence should be sent directly to our mailing address if provided. Feel free to reach out via phone at 916-732-2926 if you have questions or need assistance before your visit.

Member Eligibility

Becoming a member of The Golden 1 is like joining a family where your financial well-being is our top priority. If you're looking for a supportive community that offers personalized services, you've come to the right place! To be eligible for membership, you simply need to meet some basic criteria that are designed to welcome a wide range of individuals. Generally, if you live or work in the area, or if you have a family member who is already a member, you're likely eligible. For more specific details on eligibility requirements, feel free to check out our dedicated page at http://www.golden1.com/membership-benefits. Joining us is easy and straightforward! You can open your account online by visiting http://www.golden1.com/apply-today, or if you prefer, give us a call at (916) 732-2926 for assistance. Our friendly team is here to help you every step of the way. We can't wait to welcome you to The Golden 1, located at 2001 Mchenry Ave Ste F Modesto Ca 95350, where you'll enjoy all the benefits of being part of our community-focused credit union!

Business Banking & Commercial Services

Lending Solutions 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.

Merchant Services That Matter

In addition to loans, we offer essential merchant services that simplify transactions and enhance cash flow. Imagine seamlessly accepting payments from your customers through various methods be it credit cards or mobile payments right at your fingertips. This flexibility not only increases customer satisfaction but also boosts sales potential. At The Golden 1, located at 2001 Mchenry Ave Ste F Modesto Ca 95350, we're dedicated to empowering local businesses with the financial tools they need to thrive. Whether you're looking to expand or simply manage daily operations more effectively, we're here for you every step of the way. Contact us today at (916) 732-2926 to learn more about how we can help your business succeed!

Comprehensive List Of Services

Business Banking Services

For our local entrepreneurs and business owners, The Golden 1 offers business banking solutions including merchant services and business loans. We understand the importance of supporting our community's businesses, which is why we strive to provide resources that help them thrive.

Credit Cards & Rewards

Our credit cards come with rewards that give you more value for every dollar spent. Imagine earning points for everyday purchases that can lead to exciting travel or shopping rewards!

Embracing Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your finances anytime and anywhere. You can easily check balances, transfer funds, or pay bills right from your smartphone or computer. Additionally, with ATM access available at various locations, withdrawing cash or checking your balance has never been easier.

Personal Banking Solutions

When it comes to personal banking, we have you covered. You can open checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or managing everyday expenses, our accounts are designed to help you achieve your financial goals. For those looking to purchase a new car or refinance an existing vehicle, we offer competitive auto loans and vehicle financing options that make driving off the lot feel effortless. If homeownership is your dream, our mortgage loans provide flexible terms and refinancing options to fit your needs. Need cash for an unexpected expense? Our personal loans and debt consolidation options can provide the financial relief you need without the hassle.

We're Here for You

At The Golden 1, we believe in building relationships with our members and being there when you need us most. If you have questions about any of our services or need assistance getting started, don't hesitate to reach out! You can contact us at 916-732-2926 during our lobby hours: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 3:00 PM. Whether you're just starting out on your financial journey or looking for advanced solutions for your growing business, The Golden 1 is here for you every step of the way. Visit us today at 2001 Mchenry Ave Ste F Modesto, CA 95350 and discover how we can help meet all your banking needs!

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever it suits you. Plus, with the ability to authorize electronic signatures, completing transactions has never been simpler or more secure. You'll also appreciate the option to receive e-statements, which not only help you stay organized but also reduce paper clutter. If you're always on the go, you'll love our mobile application. It offers all the features of online banking right in the palm of your hand. From mobile payments to person-to-person transfers, managing your money has never been more accessible. Whether you're splitting a dinner bill with friends or making quick payments, these features provide flexibility and speed.

Security and Support

At The Golden 1, your security is our priority. Our digital banking services are built with robust security measures to protect your information. And should you ever need assistance, our dedicated support team is just a phone call away at (916) 732-2926. With our digital banking options, managing your finances becomes a breeze. Experience the freedom and ease of banking when it works best for you with The Golden 1!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts stand at 2,432,889, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments total $0, further enhancing our ability to serve you. 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 2001 Mchenry Ave Ste F Modesto Ca 95350 or call (916) 732-2926 to learn more about how we can help you achieve your financial goals.

Committed 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 further highlighted by $122,383 in used auto loans and $14,251,111,689 in total loans and leases, supporting members' financial goals across various sectors.

Operational Efficiency

Our commitment to operational efficiency is evident with a net income of $82,266,177, which enables 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.

Solid 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. We provide financing options for both new and used vehicles, ensuring you find the right 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 your operations. We recognize the importance of supporting local businesses and are committed to providing resources tailored to your needs. In addition to our current offerings, refinancing options may also be available for those looking to adjust their existing loans. To learn more about eligibility and the specific details regarding each loan product, please feel free to contact us at 916-732-2926 or visit us at 2001 Mchenry Ave Ste F Modesto Ca 95350. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At The Golden 1, we're here to assist you in navigating your financial journey with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $633,013,903, making buying or refinancing simple. We offer competitive rates and flexible terms designed to meet your unique needs.

Unsecured Credit Card Loans

Managing finances can be challenging, but we make it easier with our flexible terms on unsecured credit card loans. With a total of $605,216,049 in unsecured credit card loans helping members navigate their expenses effectively, you can enjoy peace of mind knowing you have access to funds when needed.

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