The Golden 1 Credit Union

Nestled in the vibrant heart of Sacramento, The Golden 1 branch at 1326 Broadway is your welcoming neighborhood credit union dedicated to empowering your financial journey. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays until 2:00 PM, this convenient location offers easy ATM access for quick cash withdrawals and balance checks, making everyday banking seamless and hassle-free. Whether you’re looking to secure one of the best auto loans designed to fit your vehicle financing needs or exploring low mortgage rates for buying or refinancing your home, the expert Golden 1 team is here to provide personalized guidance every step of the way.
Serving over 1.13 million members with nearly $20 billion in assets, this Sacramento branch delivers a comprehensive range of personal and business banking solutions tailored to your lifestyle. From rewarding credit cards and flexible checking and savings accounts to business loans, merchant services, personal loans, and debt consolidation—you’ll find trusted support whenever you need it. Plus, enjoy convenient online and mobile banking that keeps your finances within reach anytime.
Visit The Golden 1 branch at 1326 Broadway or call 916-732-2900 today. Experience community-driven service—contact us for personalized guidance and discover how our signature auto loans and mortgage options 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 at 1326 Broadway, Sacramento, CA 95818, where we pride ourselves on being more than just a financial institution; we are a trusted partner in your journey towards financial wellness. Established in 1933, our commitment to serving the community has only grown stronger over the decades. With a dedicated membership of 1,132,440 and total assets exceeding $19.58 billion, we strive to provide reliable banking solutions tailored for you. At The Golden 1, we understand that each member's needs are unique. Whether you're looking for personal banking services like checking and savings accounts, auto loans, or mortgage refinancing, we have you covered. With over $777 million in deposits and a strong net worth of $2.04 billion, our solid financial foundation ensures that your money is safe with us. Our CEO, Donna Bland, along with Board President Keri Thomas, leads a team of over 2,000 employees who are passionate about enhancing your banking experience. We believe in community impact and work tirelessly to support local initiatives that uplift those around us. While members can visit us at our branch location, please note that official correspondence should be sent to our mailing address if applicable. Feel free to reach out to us at (916) 732-2900 during our operating hours: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. Join us today by visiting The Golden 1 website or calling us directly! Let's build a brighter financial future together!

Branch History & Mission

Join Us!

While members can visit us at 1326 Broadway, official correspondence should be sent to the same address as there is no separate mailing address. We invite you to come by during our operating hours Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM to discover how we can assist you in reaching your financial goals. With ATM availability on-site and no drive-thru service currently offered, we encourage you to explore all the conveniences we provide. Join The Golden 1 today and become part of a community-focused credit union that genuinely cares about your financial well-being! For more information or to open an account, please contact us at (916) 732-2900 or visit The Golden 1 website.

Our Journey

Since our founding, The Golden 1 has focused on providing exceptional financial services while fostering strong relationships within the community. Over the years, we have achieved significant milestones, including amassing total assets of over $19.5 billion and maintaining a commitment to member satisfaction that has led to our robust membership base. We take pride in being a not-for-profit institution where profits are returned to members through better rates and lower fees. Our headquarters are situated just a few miles away in Sacramento, CA, reinforcing our deep-rooted connection to this vibrant city. As we continue to grow and adapt in an ever-changing financial landscape, our core values remain unchanged: integrity, service excellence, and community support.

Our Mission

At The Golden 1, our mission is clear: we aim to empower our members by providing accessible and affordable financial solutions that meet their needs. Whether you're seeking personal banking options like checking and savings accounts or looking for assistance with auto loans or mortgages, we're here to help you make informed decisions about your financial future. We believe that supporting our community goes beyond just banking services. We actively engage in outreach initiatives that uplift local organizations and provide valuable resources to those in need. Our commitment extends to making banking accessible for everyone; we've embraced digital advancements such as online banking and mobile payments while ensuring ADA compliance across all platforms.

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 916-732-2900. Our team is always ready to help with whatever you need. We invite you to visit us soon at The Golden 1 Broadway branch where your financial well-being is our priority!

Convenient Access and Nearby Landmarks

Our branch is situated near popular local spots, making it easy for you to stop by while you're out and about. Just a short walk from landmarks such as the historic Tower Theater and the vibrant Midtown district, you'll find us in a bustling area with plenty of parking options available. We ensure that our location is accessible for everyone, including ADA-compliant features to accommodate all visitors.

Operating Hours and Services

We understand that life can be busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 10:00 AM to 5:00 PM, and Saturday from 10:00 AM to 2:00 PM. This means you can easily fit your banking needs into your schedule. At The Golden 1 Broadway branch, we provide a wide range of services designed to help you manage your finances effectively. From checking and savings accounts to auto loans and credit cards with rewards, we have solutions tailored just for you. While we do not offer drive-thru banking at this location, we do have an ATM available for quick cash withdrawals and balance checks.

Member Eligibility

At The Golden 1, we believe that becoming a member is like joining a close-knit community where everyone supports one another. If you're looking to open an account with us, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the areas we serve. This means that whether you're a local resident or just passing through, there's a good chance you can join our family! You can check the full details about eligibility at http://www.golden1.com/membership-benefits for the most up-to-date information. Joining is simple and straightforward. All it takes is a visit to our branch located at 1326 Broadway Sacramento Ca 95818, or you can start the application process online by visiting http://www.golden1.com/apply-today. Our friendly staff is always ready to assist you, so feel free to call us at (916) 732-2900 if you have any questions. We can't wait to welcome you into the The Golden 1 community and help you achieve your financial goals!

Business Banking & Commercial Services

Member and Non-Member Commercial Loans

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 comprehensive merchant services that make managing your transactions easy. Imagine a local café seamlessly processing payments while ensuring customer satisfaction. Our tools enable businesses like yours to accept payments quickly, manage inventory, and enhance customer interactions all from one platform. Visit us at 1326 Broadway Sacramento Ca 95818 in Sacramento, CA or call us at (916) 732-2900 to learn how we can help your business grow today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATM & Cash Withdrawal Services ensure you have access to your funds without hassle. With ATMs conveniently available throughout the area, withdrawing cash has never been easier. At The Golden 1, we're more than just a credit union; we're a partner in your financial journey. Whether you're visiting us in person or accessing services online, we're here to help every step of the way. Ready to explore how these services can benefit you? Give us a call at 916-732-2900 or visit us today!

Auto Loans & Vehicle Financing

Dreaming of a new car? Our Auto Loans & Vehicle Financing options make it easy to drive away in the vehicle you desire. We provide competitive rates and flexible terms that cater to different budgets. Imagine cruising down the road in a new ride, knowing that your financing was handled smoothly right from the start.

Business Banking

At The Golden 1, we also cater to local entrepreneurs with our Business Banking solutions which include Merchant Services and Business Loans. We believe in supporting small businesses as they grow and thrive in our community.

Credit Cards with Rewards

For those who love to earn while they spend, our Credit Cards with Rewards offer fantastic benefits on everyday purchases. Picture yourself enjoying cashback or points towards travel just by using your card for regular expenses!

Digital Banking Convenience

Embracing technology, we provide robust Online & Mobile Banking features that allow members to bank anytime, anywhere. From checking account balances to making transfers or paying bills, everything can be done easily from your smartphone or computer.

Home Financing

If homeownership is on your horizon, look no further than our Mortgage Loans & Refinancing services. We understand that buying a home is one of the biggest decisions you'll make. That's why we offer personalized service to guide you through every step of the process. With our refinancing options, you can potentially lower your monthly payments or tap into your home's equity for other needs.

Personal Banking Solutions

For those looking to manage their day-to-day finances, we offer Personal Banking options such as checking and savings accounts. Whether you're saving for a vacation or managing daily expenses, our accounts are structured to help you achieve your financial objectives. You can easily access your funds through our online and mobile banking platforms, ensuring that your money is always at your fingertips.

Personal Loans & Debt Management

In times of unexpected expenses or when consolidating debt becomes necessary, our Personal Loans & Debt Consolidation services are here for you. Life can throw curveballs, but having access to funds when you need them most can provide peace of mind.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds with just a few clicks. You'll also enjoy the convenience of e-statements, which means you can view your statements online without waiting for them to arrive in the mail. Plus, with electronic signature authorization, signing important documents has never been simpler or more secure. Need to send money quickly? Our person-to-person transfer feature makes it easy to send cash to friends or family instantly. And if you're on the go, our mobile application keeps all these capabilities right in your pocket. You can even make payments using mobile payments just another way we're making banking easier for you!

Security and Convenience

At The Golden 1, your security is our top priority. We use advanced encryption technology to ensure that your personal information remains safe while you bank online. Our user-friendly interface makes navigation a breeze, so you can manage your finances without any hassle. Whether you're looking to check your balance or apply for a loan, our digital services are designed with you in mind. Join us at The Golden 1 and experience the convenience of modern banking today!

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 in today's world, having a trusted financial partner can make all the difference, and we are proud to showcase our robust 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. 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 impressive; we have $122,383 in used auto loans and a total of $14,251,111,689 in loans and leases to support your financial goals across various sectors. Our operational efficiency is reflected in our $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, 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 1326 Broadway Sacramento Ca 95818 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. Whether you prefer a brand-new model or a dependable used car, we have financing options tailored to meet your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. Whether you're looking for funding for equipment, inventory, or operational costs, we've got solutions that can help your business thrive.

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 various mortgage products to fit different budgets and situations, ensuring that your journey to owning a home is as smooth as possible.

Personal Loans and Credit Cards

In addition to auto and mortgage loans, we also offer unsecured credit card loans with flexible terms. With a total of $605,216,049 in loans helping members manage their finances effectively, our credit cards come with rewards that can enhance your everyday spending. For those unexpected expenses or projects around the house, our personal loans provide quick access to cash when you need it most.

Refinancing Options

If you're considering refinancing an existing loan, we can help you explore eligibility options that may lower your monthly payments or reduce your interest rate. Contact us today at (916) 732-2900 for more information on how we can assist you with refinancing. At The Golden 1, we're committed to serving our community by offering financial products that empower our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 1326 Broadway Sacramento Ca 95818 in Sacramento, CA, or check out our website at https://www.golden1.com/ for more details on how we can help you reach your financial aspirations!

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

LendMesh prioritizes verified data, ensuring that loan offers are sourced from legitimate financial institutions. This level of verification enhances trust among users, knowing they are comparing accurate rates and terms. Additionally, LendMesh maintains a strict policy of no sponsored listings; lenders are not prioritized based on paid promotions. This means that users receive unbiased results without any hidden agendas. Another key benefit is LendMesh's real-time rate comparisons. Users can view up-to-date loan rates from multiple institutions, empowering them to make informed decisions tailored to their financial situations. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the platform's effectiveness in delivering significant savings for its users. To start your journey towards finding the best loan rates available, compare real-time loan offers today at LendMesh and find the best rates for your needs. 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

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.