The Golden 1 Credit Union

In the heart of Sacramento’s bustling downtown, The Golden 1 branch at 1109 L St is your trusted community partner for comprehensive financial solutions. Open Monday through Friday from 10:00 AM to 5:00 PM, this convenient location offers easy ATM access for quick cash withdrawals and balance checks—making everyday banking simple and efficient. Whether you’re looking to secure one of the best auto loans to get behind the wheel or exploring low mortgage rates to purchase or refinance your home, The Golden 1 team is ready to provide personalized guidance tailored just for you.
Serving over 1.13 million members with assets exceeding $19.5 billion, this Sacramento branch delivers a full range of personal and business banking services designed around your lifestyle. From rewarding credit cards with valuable perks and flexible checking and savings accounts to business loans, merchant services, personal loans, and debt consolidation—you’ll find expert support whenever you need it. Plus, enjoy seamless online and mobile banking that keeps your finances accessible anytime.
Visit The Golden 1 branch at 1109 L St in Sacramento or call 916-732-2900 today. Experience community-focused 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 financial partner located at 1109 L St, Sacramento, CA 95814. Established in 1933, we have been dedicated to serving our community with a focus on building lasting relationships and providing exceptional member services. With a total membership of over 1,132,440 individuals, we are proud to be a pillar of support for countless families and businesses in Sacramento. At The Golden 1, we understand the importance of financial security and growth. Our robust asset base of $19,582,379,014 reflects our commitment to stability and reliability. We offer a range of services tailored to meet your needs, from personal banking accounts to auto loans and business financing solutions. In fact, we currently manage over 485,183 loans and leases, demonstrating our capability to assist members in achieving their financial goals. Our leadership team is dedicated to ensuring that you receive the best possible service. Led by CEO Donna Bland and Board President Keri Thomas, we prioritize transparency and member satisfaction. Our staff of 2,082 employees is always ready to assist you with personalized service. While members can visit us at our physical location for friendly service and expert advice, official correspondence should be directed to our mailing address if it differs from our branch address. Feel free to reach out at 916-732-2900 or explore more about what we offer by visiting our website at www.golden1.com. Join us today and discover how The Golden 1 can help you thrive financially!

Branch History & Mission

Looking Ahead

As we look towards the future, The Golden 1 remains focused on embracing technology while ensuring accessibility for all. With features like ATM availability and user-friendly online platforms for banking transactions, we strive to create an inclusive environment where everyone feels welcome. We invite you to join us on this journey! Discover how becoming a member of The Golden 1 can benefit you personally or professionally. Experience firsthand the support and services designed with your needs in mind. Visit us today or explore more about membership benefits at The Golden 1. Your financial future awaits!

Mission Statement

At The Golden 1, our mission is simple yet impactful: to enhance the financial well-being of our members and the communities we serve. We believe that banking should be about more than just transactions; it should build relationships and foster growth. We offer a wide range of services including personal checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. In addition to financial services, we are deeply committed to community outreach. We partner with local organizations to support initiatives that uplift those in need. This dedication drives us not only to provide exceptional service but also to make a positive difference in Sacramento. While members can visit us at 1109 L St for all their banking needs during our lobby hours (Monday through Friday from 10:00 AM to 5:00 PM), official correspondence can also be sent here as there is no separate mailing address.

Our Journey

The journey of The Golden 1 reflects resilience and dedication to member service. As we opened our doors nearly a century ago, our mission was clear: to provide accessible financial services that empower individuals and families. Throughout the decades, we've adapted to meet changing needs while maintaining a strong focus on community engagement and support. Our branch's evolution is marked by several key milestones each one a testament to our commitment to innovation and member satisfaction. From introducing personal banking options to expanding into online and mobile banking platforms, we've ensured that modern conveniences are available to everyone who walks through our doors.

Branch Location & Accessibility

Welcome to The Golden 1, your friendly neighborhood credit union located right at 1109 L St in the heart of Sacramento, California. This prime location makes it easy for you to stop by whenever you need assistance or want to take care of your banking needs. Just a short walk from local landmarks, our branch is conveniently situated for both residents and visitors alike. If you're planning a visit, you'll be pleased to know that we offer ample parking options nearby. We strive to make our branch accessible for everyone, featuring ADA-compliant entrances and facilities to ensure a comfortable experience for all our members. Our operating hours are designed with your convenience in mind. You can visit us Monday through Friday from 10:00 AM to 5:00 PM. Whether you're looking to open a new account, inquire about loans, or simply check in on your finances, our friendly staff is here to assist you during these hours. At The Golden 1, we understand that convenience extends beyond just having a physical branch. That's why we also provide ATM services for quick cash withdrawals and balance checks whenever you need them. While we don't have drive-thru banking at this location, our team is always ready to help you inside the branch. Feel free to give us a call at 916-732-2900 if you have any questions or need assistance before your visit. We're excited to welcome you to The Golden 1 and help you with all your personal banking needs!

Member Eligibility

At The Golden 1, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is easy and open to many! If you live, work, or go to school in certain areas, or if you have family members who are already members, you might qualify for membership. We strive to include as many people as possible, making it a great choice for anyone looking for personalized financial services. To see the full details about eligibility, please visit our membership benefits page. Once you know you're eligible, opening an account at The Golden 1 is just a few clicks away! Our friendly staff is here to help guide you through the process and answer any questions you may have. You can apply easily online or call us at (916) 732-2900 for more assistance. Join us today at our branch located at 1109 L St Sacramento Ca 95814, and experience the difference of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

Financing Your 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.

Simplifying Payments

In addition to loans, we offer comprehensive merchant services designed to simplify transactions. Imagine being able to accept payments easily from customers, whether they prefer cash, credit, or digital wallets. Our tools make it straightforward for you to manage sales and keep track of your finances, allowing you more time to focus on what truly matters growing your business. Visit us at 1109 L St Sacramento Ca 95814 in Sacramento, CA, or call us at (916) 732-2900 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

For those looking to purchase a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. Picture driving off in your new car, knowing you got a great rate tailored just for you. Whether it's a new ride or a used one, we've got you covered.

Business Banking

For small business owners, our business banking services include merchant services and business loans tailored to help you grow. Imagine having the financial support needed to expand operations or invest in new equipment while enjoying personalized service from our knowledgeable staff.

Convenience at Your Fingertips

In addition to these offerings, The Golden 1 provides ATM and cash withdrawal services that make accessing your funds simple and straightforward. With basic ATM access available for withdrawals and balance checks, you have control over your finances wherever you are. We also prioritize digital convenience with features like online and mobile banking so whether you're paying bills late at night or transferring money during lunch breaks, we are here for you. Ready to explore how The Golden 1 can assist you? Feel free to reach out by calling us at (916) 732-2900 or visit us in person at 1109 L St Sacramento Ca 95814. We look forward to serving you!

Credit Cards with Rewards

Don't forget about our credit cards with rewards! With every purchase, you earn points that can be redeemed for travel, merchandise, or cash back making everyday spending more rewarding.

Mortgage Loans & Refinancing

Are you considering buying a home? Our mortgage loans are designed with competitive rates to help turn your homeownership dreams into reality. If you're already a homeowner, refinancing might be an excellent way to lower your monthly payments or access equity for other projects.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to fit your lifestyle. Imagine easily managing your daily expenses or saving for that dream vacation all from the comfort of your home through our online banking platform. Our mobile application allows you to check balances, transfer funds, and even deposit checks right from your phone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy. Whether it's for medical bills, home repairs, or consolidating debt, we provide flexible solutions that meet your needs and budget.

Digital & Online Banking

In today's fast-paced world, convenience and security are top priorities for managing your finances. At The Golden 1, we understand that our members want easy access to their accounts anytime, anywhere. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With our online banking platform, available at https://www.golden1.com/, you can manage your account 24/7. Whether it's checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, our user-friendly mobile application makes banking on the go a breeze. You can download it easily and enjoy all the features right from your smartphone. For those who prefer modern payment methods, we provide mobile payments that allow you to make purchases with just a tap. And if you need to send money quickly to friends or family, our person-to-person transfer feature makes it simple and instant. Security is a top priority for us at The Golden 1. We utilize electronic signature authorization for various transactions to keep your information safe and secure. Additionally, e-statements are available, allowing you to view your account statements digitally while reducing paper clutter. Accessing and managing your finances has never been easier or more secure. Join us at The Golden 1 and experience the peace of mind that comes with knowing your banking needs are taken care of whenever and wherever you need them!

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 share our financial strength, which reflects our commitment to providing reliable services and support to our community. 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, we support members' financial goals across various sectors. Our operational efficiency shines through with a net income of $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 who are dedicated to serving you with knowledge and commitment. 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 1109 L St Sacramento Ca 95814 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 aim to make your experience smooth and easy, ensuring you can drive off with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand your business. We understand the importance of having access to funds when you need them most. If you're considering refinancing options or want to check eligibility for any of our products, we're here to guide you through the process. For more information or assistance, feel free to reach out at (916) 732-2900 or visit us at our branch located at 1109 L St Sacramento Ca 95814 in Sacramento, 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. At The Golden 1, we're committed to providing you with tailored solutions that empower you financially today and into the future.

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 offer competitive rates and flexible terms to suit your situation.

Unsecured Credit Card Loans

Managing finances can be challenging, but we're here to help. We also offer flexible terms on unsecured credit card loans, with a total of $605,216,049 in loans assisting members in effectively managing their expenses. Whether it's for unexpected costs or everyday purchases, our credit cards provide a reliable solution.

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