The Golden 1 Credit Union

In the thriving community of Rancho Cordova, The Golden 1 branch at 11099 Olson Dr Ste 3 is your welcoming neighborhood partner for tailored financial solutions. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays from 9:00 AM to 3:00 PM, this convenient location offers easy ATM access for quick cash withdrawals and balance checks. Whether you're looking to drive home with one of the best auto loans or exploring competitive mortgage loans and refinancing options, the dedicated Golden 1 team is here to support your journey with personalized service.
Serving over 1.13 million members and managing assets close to $20 billion, this Rancho Cordova branch provides a comprehensive range of personal and business banking services designed around your unique needs. From rewarding credit cards and flexible checking and savings accounts to business loans, merchant services, personal loans, and debt consolidation—you’ll find expert guidance every step of the way. Plus, enjoy seamless online and mobile banking that keeps your finances within reach anytime.
Visit The Golden 1 branch at 11099 Olson Dr Ste 3 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 help you achieve your financial goals!

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, your trusted partner in financial wellness right here in Rancho Cordova, California! Located at 11099 Olson Dr Ste 3, we have proudly served our community since 1933. With over 1,132,440 members, we are dedicated to providing personalized banking solutions that meet the unique needs of each individual. At The Golden 1, we believe in building strong relationships with our members. Our team is committed to ensuring your financial success through a variety of services including personal banking, auto loans, mortgage financing, and more. With total assets amounting to an impressive $19,582,379,014 and total deposits of $777,140,260, you can trust that your money is in safe hands. Our leadership team is here for you! Under the guidance of CEO Donna Bland and Board President Keri Thomas, we work tirelessly to enhance your banking experience. We also take pride in our dedicated staff of 2,082 employees, who are always ready to assist you with any questions or concerns. While members can visit us at our branch address, official correspondence should be sent to 11099 Olson Dr Ste 3, Rancho Cordova, CA 95670-5656. Feel free to reach out by phone at 916-732-2900 during our convenient operating hours Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 9:00 AM to 3:00 PM. Experience a credit union that puts you first! Visit our website at The Golden 1 for more information on how we can help you achieve your financial goals today!

Branch History & Mission

Welcome to The Golden 1, a credit union with a rich history and a deep commitment to the community. Founded in 1933, our Rancho Cordova branch has been serving members for decades, evolving alongside their needs and aspirations. Located at 11099 Olson Dr Ste 3 in beautiful Rancho Cordova, CA, we are proud to be part of this vibrant community. Over the years, The Golden 1 has grown significantly. Today, we proudly serve over 1.1 million members and manage total assets exceeding $19.5 billion. Our mission is clear: to provide exceptional financial services while making a positive impact in our members' lives and the communities we serve. We believe that everyone deserves access to affordable banking options, and we strive to empower our members through education and support. At our Rancho Cordova branch, you can expect friendly service and a range of offerings tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Our commitment extends beyond traditional banking; we also offer online and mobile banking for your convenience. Our branch operates Monday through Friday from 10:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 3:00 PM. While we do not have drive-thru service available, our ATM is conveniently accessible for cash withdrawals and balance checks. As part of our dedication to community support, The Golden 1 engages in various outreach efforts, partnering with local organizations to enhance the lives of those around us. We are also committed to ensuring that all members can access our services easily and safely, adhering to ADA compliance standards. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 11099 Olson Dr Ste 3, Rancho Cordova, CA 95670-5656. Join us at The Golden 1 today! Experience how we can help you achieve your financial goals while being part of a community-focused credit union dedicated to your success. For more information or assistance, feel free to contact us at (916) 732-2900 or visit our website at www.golden1.com. We look forward to welcoming you!

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance before visiting, feel free to call us at 916-732-2900. While members can visit us at our branch address for all banking needs, official correspondence should be sent to our mailing address at 11099 Olson Dr Ste 3, Rancho Cordova, CA 95670-5656. We invite you to come by and explore all the services we offer. At The Golden 1, we're committed to providing personalized support and helping you achieve your financial goals!

Operating Hours

We know your time is valuable, which is why we offer flexible hours to meet your needs. Visit us Monday through Friday from 10:00 AM to 5:00 PM, and on Saturday from 9:00 AM to 3:00 PM. Our friendly team is here to assist you with personal banking, auto loans, mortgage options, credit cards with rewards, and more.

Member Eligibility

At The Golden 1, we believe that becoming a member means joining a welcoming community where your financial needs are prioritized. If you're wondering how to become part of our family, it's easier than you might think! Our membership is open to anyone who lives, works, or worships in the area around 11099 Olson Dr Ste 3 Rancho Cordova Ca 95670. This includes individuals and their immediate family members, making it simple for you to invite loved ones to enjoy our services too. For more detailed eligibility criteria, feel free to check out our website at http://www.golden1.com/membership-benefits. Joining us is just the beginning of enjoying benefits like competitive rates on loans and savings accounts, personalized service, and access to innovative banking solutions. When you're ready to take the next step, opening an account is straightforward! You can start the process online by visiting http://www.golden1.com/apply-today, or if you prefer a personal touch, give us a call at (916) 732-2900. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner that streamlines your payment processing while allowing you to focus on what you do best running your business. Our merchant services offer secure payment solutions that adapt as your business grows. Whether it's in-store transactions or online sales, we provide tools that enhance customer experiences and simplify operations. Located at 11099 Olson Dr Ste 3 Rancho Cordova Ca 95670 in Rancho Cordova, CA, our team is ready to help you explore how our business banking solutions can work for you. Reach out today at (916) 732-2900 to learn more!

Tailored Financing Solutions

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 Services

If you're an entrepreneur or small business owner, you'll find valuable support through our business banking services, including merchant services and business loans. We understand the challenges of running a business and strive to provide tailored solutions that foster growth and success.

Digital Banking Convenience

In today's fast-paced world, we know convenience is key. That's why The Golden 1 offers robust online and mobile banking features that let you manage your finances from anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Our network of ATMs ensures that accessing cash is simple and straightforward, with basic ATM access for withdrawals and balance checks available at your fingertips.

Flexible Financing Options

Life can be unpredictable, which is why we also provide personal loans and debt consolidation solutions. These options can help you manage unexpected expenses or simplify your finances by combining multiple debts into one easy-to-manage payment. Plus, our credit cards with rewards allow you to earn while you spend, making every purchase work for you.

Get Started Today!

Ready to explore what we can do for you? Whether you're visiting us in person at our branch in Rancho Cordova, CA, or logging in online, our team is here to assist you every step of the way. Don't hesitate to reach out at (916) 732-2900 if you have questions or want more information about any of our services. At The Golden 1, we're committed to providing comprehensive financial services that cater to your unique needs. Join us today and experience the difference!

Personal Banking Solutions

We offer various personal banking services tailored to fit your lifestyle. Our checking and savings accounts provide easy access to your funds with competitive interest rates that help your money grow. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can get you behind the wheel with ease. For those planning to buy a home, our mortgage loans and refinancing services are designed to make the process as smooth as possible.

Digital & Online Banking

Convenient Online Banking Services

With our online banking platform, you can take control of your finances 24/7. From checking your account balance to paying bills, everything is streamlined for your convenience. Plus, our user-friendly interface ensures that even those new to online banking can navigate with ease.

Real-Time Account Management

Whether you're monitoring transactions or transferring funds, our digital banking services ensure that you have real-time access to your accounts whenever you need it. This means no more waiting in line or rushing to make it before closing hours; you're always in charge of your finances. Join us at The Golden 1 and discover how our digital and online banking services can simplify your life. Embrace the convenience of modern banking today!

Security You Can Trust

Your security is our top priority. With features like electronic signature authorization and the option for e-statements, you can bank confidently knowing that your information is protected. Our commitment to security helps keep your accounts safe while providing a smooth banking experience.

Stay Connected with Mobile Features

Our mobile application brings all the power of online banking right to your smartphone. Make mobile payments effortlessly and send money to friends or family through person-to-person transfers all from the palm of your hand. And if you prefer paperless statements, e-statements are readily available for easy access and management.

Financial Strength

Commitment 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 supports your financial goals across various sectors with $122,383 in used auto loans and a total of $14,251,111,689 in loans and leases.

Growing Member Base

We are proud to have achieved a total of 2,432,889 share accounts, showcasing a strong and growing member base that trusts us with their finances. This trust allows us to maintain Net Shares (Funds available for lending and investments): $0, further strengthening our ability to support your financial needs. 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 11099 Olson Dr Ste 3 Rancho Cordova Ca 95670 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.*

Member-Centric Savings

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.

Operational Efficiency

Our commitment to efficiency is reflected in our $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.

Solid Financial Foundation

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 offer competitive financing options for both new and used vehicles, making it easier than ever for you to find the right fit for your lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We know how crucial funding can be for a business's success, and our team is ready to work with you to find the right solution. If you're considering refinancing any existing loans, we encourage you to reach out and explore eligibility options available at The Golden 1. To learn more about our loan offerings or if you're ready to start your application, give us a call at (916) 732-2900 or visit us at 11099 Olson Dr Ste 3 Rancho Cordova Ca 95670 in Rancho Cordova, CA. Your financial future starts today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. These cards come with various benefits that can help you keep track of your spending while earning rewards.

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. Whether you're purchasing your first home or looking to refinance an existing loan, our team is here to guide you through every step of the process.

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. This tool is designed to help users make informed decisions without the hassle of sifting through countless offers. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to quality means that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). One of the standout features of LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. Additionally, LendMesh does not prioritize lenders based on paid promotions; there are no sponsored listings. This approach guarantees that users receive unbiased results tailored to their specific needs. With real-time rate comparisons, LendMesh keeps its information up-to-date from multiple institutions, allowing users to explore various options quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" By choosing LendMesh, you can easily compare real-time loan offers and find the best rates for your needs. Start your journey today at LendMesh. *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.*

Join Our Community

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