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

Introduction

Welcome to The Golden 1, your trusted financial partner located at 2251 Broadway, Oakland, CA 94612. Since our establishment in 1933, we have been committed to serving our community with a range of financial products tailored to meet the needs of our members. With over 1,132,440 members and $19,582,379,014 in total assets, we take pride in being a cornerstone of financial support in the Oakland area. At The Golden 1, we understand that every member has unique financial goals. That's why we offer an array of services including personal banking, auto loans, mortgages, and business loans. Whether you are looking to buy your first home or expand your business operations with our competitive business loan options, we are here to help you every step of the way. Our dedicated team of 2,082 employees, led by CEO Donna Bland and Board President Keri Thomas, ensures that every interaction is friendly and professional. We're not just about numbers; we strive to build lasting relationships based on trust and transparency. With a solid net worth of $2,041,864,607 and total deposits exceeding $777,140,260, you can feel secure knowing your finances are in good hands. While members can visit us at 2251 Broadway, official correspondence should be sent to the same address. For any inquiries or assistance, don't hesitate to reach out via phone at 916-732-2900 or explore our website at The Golden 1. We invite you to experience the difference with The Golden 1 where our commitment to community and personalized service makes us more than just a credit union; it makes us family. Come visit us today!

Branch History & Mission

Join Us

We invite you to experience the benefits of being part of The Golden 1 family. Whether you're looking for personal banking solutions or seeking ways to grow your business, we are here for you every step of the way. Come visit us at our Oakland branch or explore more about membership benefits by visiting our website. Together, let's build a brighter financial future!

Our Mission

At The Golden 1, our mission is simple yet impactful: to serve as a reliable financial resource for our members while contributing positively to the communities we inhabit. We offer a wide array of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards designed to meet diverse needs. Additionally, we provide business banking solutions that empower local entrepreneurs. Beyond just banking services, we are committed to making a difference in our community. Our outreach efforts include partnerships with local organizations to support financial literacy programs and initiatives aimed at uplifting those in need. As part of our commitment to innovation, we've embraced digital advancements to enhance your experience with us. With features like online banking, mobile payments, and e-statements available at your fingertips, managing your finances has never been easier or more accessible.

Branch Location & Accessibility

Accessibility Features

At The Golden 1, we pride ourselves on being accessible to everyone. Our branch features ADA-compliant entrances and ramps to ensure that all members can visit comfortably. Plus, there's ample parking available nearby for those who prefer to drive.

Call to Action

Ready to experience our welcoming atmosphere? We invite you to stop by The Golden 1's Uptown Oakland branch today! If you have any questions or need assistance before visiting, feel free to give us a call at 916-732-2900. We're here to help you achieve your financial goals!

Operating Hours

We understand that life can be busy! That's why we offer flexible banking hours: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. This gives you plenty of time to come in and chat with our friendly staff about personal banking services like checking and savings accounts, auto loans, and credit cards with rewards.

Services Offered

At our Uptown Oakland branch, we provide a range of services designed to meet your financial needs. From personal banking options such as mortgages and debt consolidation loans to business banking solutions including merchant services and business loans, we've got you covered. Plus, with ATM availability right here at the branch, accessing cash is simple and straightforward.

Member Eligibility

At The Golden 1, we believe that everyone deserves a supportive financial community, and becoming a member is your first step toward enjoying the many benefits we offer. If you live, work, or attend school in California, you're already eligible to join us! It's that simple. We welcome individuals from various backgrounds and with different financial needs, ensuring that everyone has access to our tailored services designed just for you. By choosing to be part of The Golden 1, you'll enjoy competitive rates on loans, personalized service, and a range of tools to help you manage your finances better. Ready to take the next step? Opening an account is easy and can be done online or at our branch located at 2251 Broadway Oakland Ca 94612. For more detailed information about eligibility and the benefits of membership, feel free to check out our resource page at http://www.golden1.com/membership-benefits . If you have any questions or need assistance, don't hesitate to call us at (916) 732-2900. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a seamless way to accept payments from customers whether in-store or online. Our merchant services provide practical tools that make transactions easy and efficient. From point-of-sale systems to online payment solutions, we ensure that you can focus on what matters most: running your business. Located conveniently at 2251 Broadway Oakland Ca 94612 in Oakland, CA, we invite you to visit us or call (916) 732-2900 to learn more about how our business banking solutions can empower your success!

Tailored Loan Options

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 & Vehicle Financing

When it comes time to buy that new car, our auto loans and vehicle financing options make it simple and affordable. We know that purchasing a vehicle is a significant investment, which is why we offer competitive rates and flexible terms. Picture yourself driving off in your dream car without the stress of high monthly payments!

Business Banking

For entrepreneurs and small business owners, we offer comprehensive business banking solutions, including merchant services and business loans. We understand the challenges of running a business, which is why we're here to support you every step of the way.

Convenient Access

At The Golden 1, convenience is key. Our branch offers ATM services for quick cash withdrawals and balance checks whenever you need them. Plus, with features like mobile payments and person-to-person transfers, managing your finances has never been easier. We invite you to explore all that we have to offer at Uptown Oakland by visiting us at 2251 Broadway Oakland Ca 94612 or giving us a call at (916) 732-2900. Experience how we're dedicated to serving our community's financial needs your journey starts here!

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase can bring you closer to exciting perks. Whether it's cash back on groceries or travel points for your next vacation, using our credit card makes every dollar spent more rewarding.

Mortgage Solutions

For those looking to buy or refinance a home, our mortgage loans and refinancing services provide various options to meet your specific needs. We take pride in helping you navigate the mortgage process smoothly so you can focus on making memories in your new home.

Personal Banking

Starting with personal banking, we offer checking and savings accounts tailored to fit various lifestyles. If you're saving for a big purchase or just want a safe place for your funds, our accounts come with competitive interest rates and easy access. Imagine having the flexibility to manage your money anytime through our online and mobile banking platforms. You can check balances, transfer funds, and pay bills right from your phone.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our personal loans and debt consolidation services can give you the financial relief you need. We work with you to create a manageable repayment plan that fits into your budget.

Digital & Online Banking

24/7 Accessibility

At The Golden 1, we know that life doesn't stop after business hours. That's why our online banking services are available 24/7, allowing you to manage your finances whenever it suits you best. Whether it's early morning or late at night, you'll always have access to your accounts. We're committed to providing a secure and accessible banking experience for all our members. Experience the ease of modern banking with us at The Golden 1 today!

E-Statements and Mobile Payments

Say goodbye to paper clutter! We provide e-statements that you can access easily from your online account. This not only helps you stay organized but also contributes to a greener environment. Plus, if you're on the go, you'll love our mobile payments feature. With just a few taps on your smartphone, you can pay bills or make purchases securely.

Real-Time Account Management

For those who prefer managing their finances from their mobile devices, our mobile application is readily available. It offers all the features of online banking right in your pocket. You can make person-to-person transfers effortlessly, ensuring that sending money to friends or family is quick and convenient.

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 committed to maintaining robust financial health that directly benefits you, our valued member. 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. Our commitment to your financial well-being is further reflected in our $1,920,233,614 in undivided earnings. This means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $122,383 in used auto loans and $14,251,111,689 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our $82,266,177 reflects our operational efficiency, 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. With net shares available for lending and investments amounting to $0, along with a strong member base demonstrated by a total of 2,432,889 share accounts, we stand ready to meet your needs today and into the future. 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 2251 Broadway Oakland Ca 94612 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 flexible terms tailored to fit your budget, making it easier than ever to drive off in the vehicle you desire.

Business Financing

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We're committed to supporting local businesses by offering personalized solutions that meet your unique requirements. At The Golden 1, we also have refinancing options available if you're looking to lower your monthly payments or consolidate debt into one easy payment. Our eligibility criteria are designed to be accessible, ensuring that our services can benefit as many members as possible. For any questions or assistance regarding our loan offerings, feel free to reach out to us at (916) 732-2900. You can visit us at our branch located at 2251 Broadway Oakland Ca 94612 in Oakland, 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 achieving your financial dreams!

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. Our team is here to guide you through every step of the process, ensuring that you find the right solution for your housing needs.

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. This option provides you with the freedom to make purchases without collateral while enjoying competitive rates.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh empowers users to make informed financial decisions. LendMesh ensures accurate loan comparisons through data sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means the information is based on the latest results, ensuring fair and transparent offers. By focusing on verified data, LendMesh provides peace of mind to users seeking the best possible loan rates. One of the standout features of LendMesh is its commitment to unbiased results. There are no sponsored listings; lenders are not prioritized based on paid promotions. This allows users to compare loan offers based solely on their merits. Additionally, LendMesh provides real-time rate comparisons from multiple institutions, enabling users to see up-to-date information and make better decisions regarding their finances. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh in helping individuals secure favorable loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

THE GOLDEN 1 CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans