The Golden 1 Credit Union Sacramento CA: Low Mortgage Rates & Rewards Cards

Introduction

Welcome to The Golden 1, where your financial well-being is our top priority. Located at 670 J St, Sacramento, CA 95814, our branch has been serving the community since 1933. With a strong commitment to helping our members achieve their financial goals, we proudly support over 1,132,440 members and manage total assets of $19,582,379,014. At The Golden 1, we believe in making banking accessible and straightforward. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our dedicated team is here to help. We understand that financial needs can vary greatly from one person to another, which is why we offer a range of services tailored to meet those diverse needs. While you can visit us at our main branch address for all your banking needs, please note that official correspondence should be sent to the same address: 670 J Street, Sacramento, CA 95814. Under the leadership of CEO Donna Bland and Board President Keri Thomas, we are committed to providing exceptional service and building lasting relationships within our community. Our experienced staff of 2,082 employees is always ready to assist you with any inquiries you may have. With total deposits amounting to $777,140,260, we ensure that your money is safe and easily accessible. Plus, with a net worth of $2,041,864,607, our credit union stands on solid ground financially. We also maintain a healthy cash reserve of $747,087,746, allowing us to support member loans effectively currently totaling 485,183 loans. We invite you to explore how The Golden 1 can enhance your financial journey. Visit our website at www.golden1.com for more information or give us a call at 877-465-3361. Let's work together towards a brighter financial future!

Branch History & Mission

Community Engagement

We also believe in giving back. Through various partnerships and community outreach initiatives, we work hard to strengthen the neighborhoods around us. From sponsoring local events to offering financial education workshops, we are dedicated to making a positive impact. While members can visit us at 670 J St for all their banking needs, official correspondence should be sent to our mailing address at 670 J Street, Sacramento, CA 95814. Our operating hours are designed with your busy schedule in mind: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. While we currently do not offer drive-thru services or shared service centers at this location, our staff is always ready to assist you inside the branch. Join us today at The Golden 1! Experience firsthand how we're more than just a credit union; we're a part of your journey towards financial empowerment. Together, let's achieve great things! For more information or to become a member, visit us online at www.golden1.com or call us at 877-465-3361.

Our Mission

The mission of The Golden 1 is simple yet profound: we aim to enhance the lives of our members and the communities we serve. This mission drives every decision we make and every service we provide. Whether you are looking for checking and savings accounts, auto loans, or mortgage options, we strive to deliver exceptional value and personalized support. As part of our commitment to accessibility, our branch offers ATM services for your convenience and is equipped with modern technology that supports online banking and mobile payments. We understand that in today's world, being able to manage your finances on-the-go is crucial. That's why we've invested in user-friendly digital platforms so you can bank anywhere, anytime.

Branch Location & Accessibility

Call to Action

If you have any questions or need assistance, don't hesitate to reach out at 877-465-3361. We invite you to visit us today at The Golden 1's Center Branch. Experience firsthand how we can help you achieve your financial goals!

Nearby Landmarks and Accessibility

You'll find us just a stone's throw away from popular spots like the Sacramento Convention Center and the Golden 1 Center, making it easy to stop by while you're out and about. Our branch features ADA-compliant accessibility, ensuring that everyone can visit us without hassle. Parking is available nearby, providing you with convenient options when you come in. While members can visit us at 670 J St, official correspondence should be sent to the same address for consistency.

Operating Hours and Services

We know your time is valuable. That's why our doors are open Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM, allowing you to plan your visit around your busy schedule. At The Golden 1, we offer a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have solutions for both personal and business banking. Plus, with our ATM conveniently available on-site, cash withdrawals and balance checks are quick and easy.

Member Eligibility

At The Golden 1, we believe that everyone deserves a chance to be part of a caring community that supports their financial journey. Becoming a member is straightforward and welcoming! If you're a resident of California or work in the state, you can join us. We also welcome family members of existing members, so if someone you know is already part of our credit union, you're in luck! For those looking for more detailed eligibility criteria, feel free to check out our resource at http://www.golden1.com/membership-benefits . Once you're ready to take the next step, opening an account with us is as easy as pie! Simply visit our website at http://www.golden1.com/apply-today to get started. If you have any questions or need assistance along the way, don't hesitate to reach out at (877) 465-3361. Join The Golden 1 today and enjoy all the benefits of being a member, right here at 670 J St Sacramento Ca 95814!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services that make transactions easier for your business. Picture this: a customer walks into your store, makes a purchase, and pays seamlessly with their card no hassle on either side. Our merchant services simplify payment processing, ensuring you get paid quickly and securely. Visit us at 670 J St Sacramento Ca 95814 in Sacramento, CA, or give us a call at (877) 465-3361 to explore how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With convenient access to ATMs and cash withdrawal services, getting cash when you need it is hassle-free. Plus, basic ATM access allows you to check balances quickly so that you're always informed about your finances. At The Golden 1, we believe in empowering our members with the tools they need for financial success. Our dedicated team is here to assist you with any questions or concerns you may have along the way. Ready to explore all that we have to offer? Visit us at 670 J St Sacramento Ca 95814, call us at (877) 465-3361, or check out our website at Center Branch today!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our competitive Auto Loans & Vehicle Financing can help get you behind the wheel without breaking the bank. Whether you're buying a brand-new model or financing a reliable used vehicle, our flexible loan terms can accommodate your budget.

Business Banking

Small business owners will appreciate our tailored solutions under Business Banking, which includes Merchant Services and Business Loans to help grow your enterprise. We know how hard you work, and we're here to support you every step of the way.

Credit Cards with Rewards

For those who love to earn while they spend, our Credit Cards with Rewards program offers fantastic benefits. Use your card for everyday purchases and watch as points accumulate for rewards you'll love, from travel perks to cashback options.

Mortgage Loans & Refinancing

If homeownership is your goal, look no further than our Mortgage Loans & Refinancing options. We understand that buying a home is one of the most significant decisions you'll make. That's why we offer personalized support throughout the process to ensure you find a mortgage solution that fits your financial situation perfectly.

Personal Banking

For those looking to manage their day-to-day finances, we offer various Personal Banking options, including checking and savings accounts that fit your lifestyle. Imagine being able to easily save for that dream vacation or keep track of your spending with just a few taps on your phone. With our user-friendly Online & Mobile Banking, you can monitor your accounts, pay bills, and transfer funds anytime, anywhere.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our Personal Loans can provide the necessary funds for emergencies or larger purchases. If you're feeling overwhelmed by debt, consider our Debt Consolidation services that can help simplify payments and potentially lower interest rates.

Digital & Online Banking

Key Features

With our online banking service, you can enjoy 24/7 access to your accounts. This means you can check your balance, pay bills, and transfer funds anytime you need no more waiting in line or rushing to the bank before it closes! Plus, we understand the importance of keeping your information safe. That's why we provide electronic signature authorization, giving you a secure way to complete transactions from anywhere. For those who prefer going paperless, we offer e-statements that allow you to view and manage your account statements digitally. It's not only eco-friendly but also helps keep your financial information organized and easily accessible.

Mobile Banking Made Easy

Our mobile application brings banking right to your smartphone. You can make person-to-person transfers with just a few taps. Need to make a quick payment? Our mobile payments feature allows for easy transactions without the hassle of cash or cards. At The Golden 1, we prioritize user-friendly experiences. Our online banking platform is designed for all members, whether you're tech-savvy or just getting started with digital banking. Everything is straightforward so you can focus on what matters most managing your money effectively. Experience the freedom of real-time account management and take control of your finances today with the digital services from The Golden 1!

Financial Strength

Member Trust

Total Share Accounts stand at 2,432,889, showing a strong and growing member base that trusts us with their finances. Our commitment to your financial well-being is unwavering. 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 670 J St Sacramento Ca 95814 or call (877) 465-3361 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.

Operational Efficiency

Our financial performance reflects operational efficiency 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 dedicated to serving you with knowledge and care.

Reinvesting in Member Services

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; we have $122,383 in used auto loans and $14,251,111,689 in total loans and leases available to support your financial goals across various sectors.

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.

Strong 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 provide financing options for both new and used vehicles, ensuring that you can find the right fit for your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to support your ambitions. In addition to these offerings, if you're considering refinancing any of your existing loans, we can assist you with that as well. You may find better rates or terms than you currently have. For further inquiries about our loan products or eligibility requirements, feel free to reach out to us at (877) 465-3361 or visit us at 670 J 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. Let us help you navigate your financial journey with confidence!

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 guide you through the process, ensuring you understand your options every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $605,216,049 available to help members manage their finances effectively. This option is perfect for those who want to build their credit while enjoying rewards on their purchases.

Loan Aggregator

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THE GOLDEN 1 CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans