The Golden 1 Credit Union Placerville CA: Low Mortgage Rates & Business Banking

Introduction

Welcome to The Golden 1 in Placerville, where your financial well-being is our top priority. Nestled at 3966 Missouri Flat Rd, Placerville, CA 95667, our branch has been a cornerstone of the community since 1933. With over 1,132,440 members, we pride ourselves on offering personalized service and a strong commitment to helping you achieve your financial goals. At The Golden 1, our assets total a remarkable $19,582,379,014, allowing us to provide a wide range of services including personal banking, auto loans, mortgages, and business banking. We currently hold $777,140,260 in deposits and have granted a total of 485,183 loans to support our members' dreams. Our net worth stands strong at $2,041,864,607, ensuring that you can trust us with your finances. Our dedicated team of 2,082 employees is here to assist you every step of the way. Under the leadership of CEO Donna Bland and Board President Keri Thomas, we strive for excellence in every interaction. Whether you're looking to open a new account or need assistance with existing services, we're ready to help. While members can visit us at our branch location for all their banking needs, official correspondence should be sent directly to our address listed above. You can also reach us by phone at 916-732-2900 during our operating hours: Monday to Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. Experience the difference with The Golden 1 where we put our members first. Visit us today or check out our website at golden1.com for more information about how we can serve you better!

Branch History & Mission

Commitment to Innovation

As part of our commitment to modern banking practices, we ensure ADA compliance and prioritize customer-centric initiatives. Our digital advancements allow you to manage your finances anytime and anywhere. Plus, with features like electronic signatures and mobile payments available through our app, accessing your accounts has never been easier. The Golden 1 is more than just a credit union; we are a community partner dedicated to making a positive impact in Placerville. Join us today! Experience firsthand how we can support your financial goals while enriching the lives of those around us. For more information or to become a member, feel free to reach out at 916-732-2900 or visit our website at golden1.com. We can't wait to welcome you into our family!

Our Mission

At The Golden 1, our mission is straightforward: to provide exceptional financial services while supporting our community. We believe in empowering our members with the tools they need to succeed financially. With over 1.1 million members and total assets amounting to $19,582,379,014, we take pride in being a member-focused credit union that prioritizes your financial wellness. Our team is dedicated not only to offering comprehensive banking solutions such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards but also to fostering community spirit through outreach programs and partnerships that uplift those around us. While members can visit us at 3966 Missouri Flat Rd for all their banking needs, any official correspondence should be sent to our headquarters located in Sacramento, CA. We strive to make banking as convenient as possible; that's why we offer ATM availability at our branch and provide user-friendly online and mobile banking options.

Branch Location & Accessibility

Call-to-Action

Whether you're a long-time member or looking to join our community, we invite you to stop by our Placerville branch. Feel free to call us at 916-732-2900 if you have any questions before your visit. We look forward to helping you achieve your financial goals!

Nearby Landmarks and Accessibility Features

As you approach our branch, you'll notice that we're just a short drive from the bustling shops and restaurants along Main Street. Our parking area is spacious and designed for your convenience, making it easy to drop by for all your banking needs. We take pride in ensuring that our facilities are accessible for everyone. You'll find ADA-compliant features like ramps and designated parking spaces.

Operating Hours

We understand that life gets busy, so we aim to accommodate your schedule. Our lobby hours are Monday through Friday from 10:00 AM to 5:00 PM, with Saturday hours from 10:00 AM to 2:00 PM. This gives you plenty of time to visit us after work or on weekends.

Services Offered

At The Golden 1, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered! Plus, our ATM is available for quick cash withdrawals or balance checks whenever you need it.

Member Eligibility

Becoming a member of The Golden 1 is like joining a family where you're valued and supported every step of the way. If you live, work, or go to school in certain areas, you could be eligible to join our community. We welcome individuals from various backgrounds and walks of life, ensuring that everyone has the opportunity to benefit from our personalized services. For specific details about who can join us, feel free to check out our eligibility criteria at http://www.golden1.com/membership-benefits . Joining is easy! You can open your account with just a few simple steps. Whether it's for checking and savings accounts, auto loans, or credit cards, we're here to make the process smooth and straightforward. If you have any questions or want to get started, don't hesitate to give us a call at (916) 732-2900. Together at The Golden 1, we can help you achieve your financial goals while feeling right at home. For more information on opening an account, visit http://www.golden1.com/apply-today !

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a payment processing solution that simplifies transactions, allowing you to focus on what you do best growing your business. Our merchant services empower you to accept payments easily, whether it's in-store or online. This means quicker sales, happier customers, and more time to innovate. Located at 3966 Missouri Flat Rd 0 Placerville Ca 95667 in Placerville, CA, our team is ready to help you navigate the financial landscape. Contact us at (916) 732-2900 to learn how we can partner with you for 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

Business Banking Solutions

For small business owners, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your growth and success. Whether you're starting a new venture or expanding an existing one, we're here to partner with you every step of the way.

Convenient Access

In addition to our comprehensive service offerings, we pride ourselves on convenience. With ATM and cash withdrawal services available at multiple locations, you can access your money whenever you need it. Basic ATM access allows for quick withdrawals and balance checks, giving you peace of mind knowing that cash is always within reach. At The Golden 1, we prioritize making banking easy and accessible for everyone in our community. If you're ready to explore how we can assist you with any of these services or if you have questions about what we offer, feel free to call us at (916) 732-2900. Our friendly staff is here to help! Whether you're looking for personal finance solutions or business support, visit us at 3966 Missouri Flat Rd 0 Placerville Ca 95667 in Placerville or check out our website at Placerville for more information. Join us today and experience the difference that personalized service makes!

Credit Cards with Benefits

We also provide credit cards with rewards, allowing you to earn points or cashback on everyday purchases. This could mean free groceries or discounts on travel rewards that truly add up over time.

Loans Made Easy

Need a new vehicle? Our auto loans and vehicle financing options can help you get behind the wheel with competitive rates that fit your budget. If you're dreaming of owning a home, our mortgage loans and refinancing solutions provide flexible terms to make homeownership achievable. And for those unexpected expenses or debt consolidation needs, our personal loans can offer the financial relief you're looking for.

Personal Banking

When it comes to personal banking, we offer various options to help you manage your money effectively. Our checking and savings accounts come with features designed for everyday use, ensuring you have easy access to your funds. Imagine being able to check your balance or transfer money with just a few taps on your mobile device through our online and mobile banking services. This means you can stay on top of your finances anytime, anywhere.

Digital & Online Banking

Key Features

Our online banking system offers 24/7 access, ensuring that you can check balances, pay bills, and transfer funds at any hour that suits you. Whether you're at home or on the go, you'll have real-time access to your accounts without any hassle. Plus, with our mobile application, managing your money has never been easier. Just download it to get started! Security is a top priority for us. That's why we offer electronic signature authorization for secure transactions, making sure that your personal information remains safe while you enjoy all the benefits of online banking. You can also opt for e-statements instead of traditional paper statements, helping you keep track of your finances in an eco-friendly way. Sending money has never been simpler with our person-to-person transfers feature. Whether you're splitting a bill with friends or sending money to family members, it's just a few clicks away. And if you prefer using mobile payments, we've got you covered there too! Enjoy seamless transactions with your favorite payment apps directly linked to your accounts. In summary, The Golden 1 is committed to making banking easier for you through our robust digital services. From secure online access to convenient mobile features, we're here to support all your banking needs with ease and efficiency. Explore more about our digital offerings today at https://www.golden1.com/ !

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 understand that trust comes from transparency and a solid foundation, which is why we want to share our financial health with you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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 wellbeing is also reflected in our $1,920,233,614 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $122,383 in used auto loans and $14,251,111,689 in total loans and leases, our lending capacity supports members' 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. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 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 3966 Missouri Flat Rd 0 Placerville Ca 95667 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that can fit your budget.

Business Loans

If you're a business owner looking to grow, our outstanding commercial loans totaling $594,122,356 provide the capital needed to expand your operations and invest in future success.

Credit Lines and Unsecured Loans

For those who need extra flexibility, we also offer total credit lines of $10,047,012,483, allowing you to access funds when you need them most. Additionally, our unsecured credit card loans have helped many members manage their finances effectively, with a total of $605,216,049 in loans available to support daily spending and unexpected costs.

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 provide resources to guide you through the process and help you find the right plan for your situation.

Refinancing Options

We also understand that circumstances change. If you're looking to refinance an existing loan or want to explore eligibility options for any of our products, our team is here to assist you every step of the way. At The Golden 1, we strive to make borrowing straightforward and accessible. For more information about our loan offerings or assistance with application processes, feel free to reach out by calling us at (916) 732-2900 or visit us at our branch located at 3966 Missouri Flat Rd 0 Placerville Ca 95667 in Placerville, 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 your next financial step today!

Loan Aggregator

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THE GOLDEN 1 CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans