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

Introduction

Welcome to The Golden 1, your trusted credit union located at 1301 Exposition Blvd, Sacramento, CA 95815. Established in 1933, we have grown alongside our community, proudly serving over 1,132,440 members with a commitment to financial wellness and member satisfaction. With total assets exceeding $19.5 billion, our stability and dedication to responsible banking practices ensure that you can trust us with your financial needs. Our branch is not just a place for transactions; it's a hub where community ties are strengthened and dreams are realized. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or business banking services, we are here to help you every step of the way. Our dedicated team, led by CEO Donna Bland and Board President Keri Thomas, consists of over 2,080 employees who are passionate about providing exceptional service. At The Golden 1, we understand that convenience matters. That's why we offer extensive online and mobile banking options along with ATM access to make managing your finances easier than ever. You can reach us at (916) 732-2900 during our lobby hours from Monday to Friday, 10:00 AM to 5:00 PM, and Saturday from 10:00 AM to 2:00 PM. We invite you to explore all that The Golden 1 has to offer. Visit us today or check out our website at www.golden1.com for more information on how we can support your financial journey!

Branch History & Mission

The Golden 1 has been a cornerstone of the Sacramento community since it first opened its doors in 1933. With a rich history rooted in providing accessible financial services, we have grown alongside our members, adapting to their needs and aspirations. Today, we proudly serve over 1.1 million members with total assets amounting to an impressive $19,582,379,014. Located at 1301 Exposition Blvd, Sacramento, CA 95815, our branch is easily accessible to those in the area and is near several local landmarks that highlight the vibrant culture of our city. Our commitment to community support is reflected not only in our financial offerings but also through various outreach programs that promote financial literacy and empowerment. At The Golden 1, our mission is clear: we aim to provide exceptional financial services while fostering a sense of community among our members. We believe in helping individuals achieve their financial goals through products like personal banking accounts, auto loans, mortgage financing, and credit cards with rewards. Additionally, we prioritize convenience with features such as online and mobile banking options. Our operating hours are designed to accommodate your busy schedule Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. We also offer ATM availability for quick cash withdrawals and balance checks. As we continue to evolve, our focus remains on enhancing customer experience and supporting our members' financial journeys. We are dedicated to maintaining ADA compliance and ensuring that everyone can access our services easily. While members can visit us at 1301 Exposition Blvd, official correspondence should be sent to the same address since we do not have a different mailing address. Join us at The Golden 1 and experience firsthand how we blend traditional values with modern banking solutions. Whether you're looking for personal finance guidance or business banking assistance, we're here to help you thrive in every step of your journey. Feel free to contact us at 916-732-2900 for more information or visit our website at www.golden1.com for additional resources. Together, let's build a brighter financial future!

Branch Location & Accessibility

Come Visit Us Today!

Whether you're looking to open a new account or simply have questions about our services, we invite you to stop by or give us a call at 916-732-2900. At The Golden 1 in Sacramento, we look forward to serving you and helping you achieve your financial goals!

Convenient Access for Everyone

Our branch is fully accessible to all members, featuring ADA-compliant facilities and ramps to ensure everyone can enjoy their banking experience without hassle. If you're driving, you'll find ample parking available right outside our doors, making your visit even more convenient. While members can visit us at 1301 Exposition Blvd, official correspondence should be sent to the same address as we don't have a separate mailing address.

Operating Hours That Fit Your Schedule

At The Golden 1, we're here for you during the times that work best for your busy life. Our lobby hours are Monday through Friday from 10:00 AM to 5:00 PM, and we're also open on Saturdays from 10:00 AM to 2:00 PM. Whether you need assistance with personal banking or want to explore our loan options, our friendly staff is ready to help.

Services Tailored Just for You

We offer a range of services designed to meet your financial needs, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Plus, our ATM services are readily available so you can access your funds anytime you need them. Although we do not have a drive-thru service at this location, we're committed to providing excellent service inside the branch where you can speak directly with our knowledgeable team.

Member Eligibility

At The Golden 1, we believe that everyone deserves the opportunity to join a supportive community dedicated to helping you achieve your financial goals. Becoming a member is easy and welcoming! If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We also extend membership to family members of existing members, making it even easier for your loved ones to enjoy our great services. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at http://www.golden1.com/membership-benefits. Once you're ready to take the next step toward membership, opening an account is a breeze! You can start the process online or visit us in person at our branch located at 1301 Exposition Blvd Sacramento Ca 95815. If you have any questions or need assistance, don't hesitate to give us a call at (916) 732-2900. Join us today and experience the benefits of being part of The Golden 1 where your financial well-being is our top priority!

Business Banking & Commercial Services

Merchant Services That Empower

Imagine having the ability to process payments easily and efficiently. Our merchant services streamline transactions, allowing you to focus on what matters most growing your business. Whether you need point-of-sale systems or online payment solutions, we provide tools that help simplify operations and enhance customer experiences. Join us at The Golden 1 in Sacramento, CA, where we're dedicated to empowering local businesses. Call us today at (916) 732-2900 to learn more about how we can help your business thrive!

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

If you're a business owner, our Business Banking services can help take your operations to the next level. From merchant services that streamline payments to business loans that fuel growth, we understand what it takes to support local businesses like yours.

Credit Cards

For those who enjoy rewards on their purchases, our Credit Cards with Rewards program provides an excellent opportunity to earn points for cash back or travel rewards. This makes every purchase count towards something greater whether it's that vacation you've been dreaming about or simply saving on everyday expenses.

Digital Services

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features including ATM services for cash withdrawals and balance checks whenever you need them. With features like person-to-person payment capabilities and electronic statements available at your fingertips, managing your finances has never been easier. At The Golden 1, we're committed to being more than just a financial institution; we're part of your community. For more information about our services or how we can assist you further, please don't hesitate to reach out at (916) 732-2900 or visit us online at https://www.golden1.com/. Let us help you achieve your financial goals today!

Financial Flexibility

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come into play. These loans offer you the flexibility to manage unforeseen costs while helping you consolidate existing debts into manageable payments. Imagine reducing your monthly financial stress with just one easy payment!

Home Loans

Purchasing a home is one of the biggest decisions you'll make in life. Our Mortgage Loans & Refinancing services are designed to simplify this process. With personalized guidance from our experienced team, you can explore various mortgage options that fit your unique situation, whether you're buying your first home or looking to refinance an existing loan for better rates.

Personal Banking

Managing your finances should be straightforward and stress-free. That's why we offer Personal Banking services that include checking and savings accounts designed with you in mind. Imagine effortlessly keeping track of your spending or saving for a special goal, all while enjoying the benefits of competitive rates and low fees. With our online and mobile banking options, you can access your accounts anytime and anywhere, making banking as convenient as possible.

Vehicle Financing

Are you considering buying a new car? Our Auto Loans & Vehicle Financing options make it easier than ever to drive away in the vehicle of your choice. We understand that getting the best financing is crucial, so we provide flexible terms and competitive interest rates. Whether it's a brand-new model or a reliable used car, we're here to help you every step of the way.

Digital & Online Banking

Key Features of Our Online Banking Services

Our online banking platform is user-friendly and secure, allowing you to perform everyday banking tasks effortlessly. You can visit us at https://www.golden1.com/ to get started. Here are some of the features that make managing your money simple: - E-Statements: Say goodbye to paper clutter! With e-statements available, you can view and download your monthly statements anytime, keeping your financial documents organized and accessible. - Mobile Application: Access your accounts directly from your smartphone with our mobile application. Check balances, transfer funds, and pay bills while you're out and about. - Person-to-Person Transfers: Need to send money to a friend? Our person-to-person transfer feature makes it easy to send funds quickly and securely. - Mobile Payments: Enjoy the convenience of making payments right from your mobile device. Whether you're shopping or dining out, mobile payments let you leave your wallet at home. - Electronic Signature Authorization: Sign documents electronically for added convenience. This feature ensures that you can complete transactions without needing to print or scan paperwork. With 24/7 online banking services, you can manage your finances when it suits you best day or night. You'll have real-time access to all your accounts, ensuring you're always in control of your financial situation. At The Golden 1, we prioritize both accessibility and security in our digital offerings. Your personal information is safeguarded with top-notch security measures, giving you peace of mind as you navigate your banking needs online. Embrace the future of banking with us today!

Financial Strength

Building Trust Through Membership

Total Share Accounts stand at 2,432,889, showing a strong and growing member base that trusts us with their finances. This growth is a testament to the trust placed in us by our community. 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 1301 Exposition Blvd Sacramento Ca 95815 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Comprehensive Lending Options

We're proud to offer diverse lending options tailored to meet your needs. Currently, we have $122,383 in used auto loans and $14,251,111,689 in total loans and leases available for our members. This robust lending capacity ensures you have access to the funds necessary for purchasing vehicles or financing other important projects.

Investing Back into Our Community

Our commitment to our members goes beyond just securing funds. With $1,920,233,614 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. This dedication helps us support your financial goals effectively.

Operational Efficiency

Our $82,266,177 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 2,047 full-time employees and 35 part-time employees ready to assist you with knowledgeable service.

Secured Member Savings

Your savings are in good hands with us. We secure our members' funds 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 Health

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 have options for both new and used vehicles that can suit various budgets, making it easier than ever to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We know how important it is for businesses to have access to funds when they need them most. At The Golden 1, we aim to make financing accessible and straightforward. If you're considering refinancing options or want to learn more about eligibility requirements, visit us at our branch located at 1301 Exposition Blvd Sacramento Ca 95815, or give us a call at (916) 732-2900. 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 find the right loan solution tailored just for you!

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 guidance throughout the process, ensuring you understand every step along the way.

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 is an excellent option for those looking to build their credit while enjoying rewards and benefits tailored to your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures that all loan data is accurate and reliable. The information is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to quality means that users receive fair and transparent offers.