The Golden 1 Credit Union

In the vibrant Sacramento community, The Golden 1 branch at 4430 Florin Rd Ste 1 stands as your trusted financial partner dedicated to helping you reach your goals. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays until 3:00 PM, this welcoming location offers convenient ATM services for quick cash withdrawals and balance checks. Whether you're ready to secure one of the best auto loans tailored to your budget or exploring competitive mortgage loans and refinancing options, the friendly Golden 1 team is here to provide expert guidance every step of the way.
Serving over 1.13 million members with assets nearing $20 billion, this Sacramento branch delivers a comprehensive range of personal and business banking solutions 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 trusted support whenever you need it. Plus, enjoy seamless online and mobile banking that keeps your finances accessible anytime.
Visit The Golden 1 branch at 4430 Florin Rd Ste 1 in Sacramento or call 916-732-2900 today. Experience neighborhood-driven service—contact us for personalized guidance and discover how our signature auto loans and mortgage offerings can help you achieve your financial dreams!

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 credit union located at 4430 Florin Rd Ste 1, Sacramento, CA 95823. Established in 1933, we have proudly served our community for decades, providing a wide range of financial services tailored to meet the needs of our members. With over 1,132,440 members and a robust asset base of $19,582,379,014, our commitment to supporting you is unwavering. At The Golden 1, we understand that financial well-being goes beyond just numbers. That's why we focus on building relationships and creating a welcoming environment where everyone feels valued. Our dedicated team of over 2,082 employees, led by CEO Donna Bland and Board President Keri Thomas, is here to help you navigate your financial journey. While you can visit us at our branch for personalized service, please note that any official correspondence should be sent directly to our mailing address if it differs from our physical location. We offer various services including personal banking, auto loans, mortgage financing, and business banking solutions. With total deposits exceeding $777,140,260 and an impressive net worth of $2,041,864,607, we take pride in being a safe and secure choice for all your banking needs. Whether you're looking for loans or want to invest in your future through savings accounts or credit cards with rewards, we've got you covered. Ready to explore what we can do for you? Visit us today or call us at 916-732-2900 to speak with one of our friendly representatives who are eager to assist you! For more information about our services or to apply for membership online, check out our website at www.golden1.com. Your financial success starts here!

Branch History & Mission

The Golden 1 has a rich history and a steadfast commitment to serving the community since it opened its doors in 1933. Located at 4430 Florin Rd Ste 1, Sacramento, CA 95823, our branch has grown alongside the vibrant Sacramento community. Over the years, we've expanded our offerings and adapted to meet the evolving needs of our members. With over 1,132,440 total members and assets exceeding $19.58 billion, The Golden 1 stands as a pillar of support for families and businesses alike. Our mission is simple yet powerful: to provide our members with financial services that help them achieve their dreams while also investing in the communities we serve. We understand that banking is about more than just numbers; it's about building relationships and fostering trust. Our team is dedicated to offering personalized service that goes beyond transactions. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we're here to guide you every step of the way. While members can visit us at our branch location for personal assistance, official correspondence should be sent to our mailing address at the same location since there are no differences between both addresses. Our operating hours are convenient for your busy schedule: Monday through Friday from 10:00 AM to 5:00 PM, and Saturdays from 10:00 AM to 3:00 PM. At The Golden 1, we believe in empowering our members through technology and accessibility. That's why we offer features like online banking, mobile payments, and e-statements. Our commitment to ADA compliance ensures that everyone can access our services comfortably. We take pride in actively participating in community outreach programs and forming partnerships that uplift those around us. From financial education workshops to local sponsorships, we strive to make a positive impact on Sacramento. Join us today and experience the benefits of being part of The Golden 1 family! If you're ready to take the next step toward achieving your financial goals or have questions about membership eligibility, don't hesitate to call us at (916) 732-2900 or visit us online at Golden 1. Together, we can build a brighter future!

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

At The Golden 1 Southgate branch, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you every step of the way. While we do not have drive-thru service at this location, we do provide ATM access for quick cash withdrawals and balance checks.

Easy Access and Parking

At our Southgate location, we prioritize convenience for all members. Our branch offers ample parking, so you won't have to worry about finding a spot when you visit. We ensure that everyone can access our services comfortably, with ADA-compliant features including ramps and wide entryways.

Operating Hours Tailored for You

We understand that life gets busy, which is why our operating hours are designed to fit your schedule. Our lobby is open Monday through Friday from 10:00 AM to 5:00 PM and on Saturday from 10:00 AM to 3:00 PM. If you need assistance outside of these hours, don't hesitate to reach out! You can give us a call at 916-732-2900 for any inquiries.

Visit Us Today!

We invite you to stop by and see how The Golden 1 can support your financial journey. Whether you're interested in opening a new account or learning more about our loan options, our friendly staff is ready to assist you. Visit us today at 4430 Florin Rd Ste 1 or call us at 916-732-2900 we're excited to serve you!

Member Eligibility

At The Golden 1, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is easy and welcoming! If you live, work, or worship in the area, or if you have a family member who is already a member, you're likely eligible to join us. We pride ourselves on being inclusive and ensuring our members have access to personalized financial services that truly meet their needs. Plus, as a member of The Golden 1, you'll enjoy benefits like competitive rates on loans and savings accounts, along with exceptional customer service. To learn more about the specific eligibility criteria, feel free to visit our website at http://www.golden1.com/membership-benefits. If you're ready to take the next step, opening an account is straightforward just check out our easy application process at http://www.golden1.com/apply-today. Should you have any questions, don't hesitate to give us a call at (916) 732-2900. Join us at 4430 Florin Rd Ste 1 Sacramento Ca 95823 and start enjoying all the advantages of membership today!

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 comprehensive merchant services that streamline your payment processes. Imagine being able to accept payments easily through various platforms whether it's in-person, online, or via mobile devices. This ensures you get paid faster while providing convenience to your customers. By partnering with us for your business needs, you're not just accessing funds; you're gaining a reliable ally committed to your success. Explore how The Golden 1 can empower your business today! For more information or to get started, visit us at 4430 Florin Rd Ste 1 Sacramento Ca 95823 in Sacramento, CA, or call us at (916) 732-2900.

Comprehensive List Of Services

ATM Services

Need cash on the go? Our ATM services provide easy access to your funds whenever you need them. With basic ATM access for withdrawals and balance checks available at various locations, managing your money is simple and straightforward. At The Golden 1, we believe in empowering our members through accessible financial services that cater to their everyday needs. If you're ready to take the next step towards financial wellness or want more information about any of our offerings, don't hesitate to reach out! Give us a call at (916) 732-2900 or visit us during our operating hours: Monday - Friday from 10:00 AM - 5:00 PM and Saturday from 10:00 AM - 3:00 PM. Join us today at Southgate your trusted partner in financial success!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options are tailored to help you drive away in your dream car without breaking the bank. Our competitive rates and flexible terms mean you can find a plan that fits your budget comfortably.

Business Banking Solutions

For entrepreneurs, The Golden 1 provides business banking services including merchant services and business loans. We understand that running a business comes with its challenges, so we offer financial tools that support growth and success.

Credit Cards with Rewards

With our credit cards offering rewards, you can earn while you spend! Whether it's cash back on groceries or travel points for your next vacation, using our credit card means getting more from your everyday purchases.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans at The Golden 1. We offer various mortgage options and refinancing solutions to help you secure the best rates possible, making it easier than ever to purchase or refinance your home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer.

Personal Banking

Whether you're looking to open a new checking or savings account, The Golden 1 has you covered. We offer personal banking solutions that make managing your money easy. With our accounts, you can easily track your expenses, save for future goals, and enjoy peace of mind knowing your funds are secure.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans for those moments when you need extra cash. Additionally, if you're juggling multiple debts, our debt consolidation services can help simplify your finances by combining them into one manageable monthly payment.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform allows you to easily manage your account, check balances, and review transactions all from the comfort of your home or on the go. You can also set up e-statements, which means you'll receive your account statements electronically, making it easy to stay organized and environmentally friendly. Plus, with our electronic signature authorization feature, signing documents is straightforward and secure. If you prefer mobile banking, our user-friendly mobile application is available for download. It offers features like mobile payments, allowing you to make quick transactions right from your phone. Need to send money to a friend? With our person-to-person transfer option, sending funds has never been easier. Security is a top priority at The Golden 1. We use advanced measures to protect your information while ensuring a smooth banking experience. You can feel confident knowing that your personal data is safe with us. In today's fast-paced world, having real-time access to your finances is crucial. Our online banking services are designed with this in mind, providing you with the tools you need to manage your money effectively. Whether you're checking your balance before heading out or transferring funds quickly between accounts, we're here for you every step of the way. Explore the benefits of digital banking with us at The Golden 1 and take control of your financial journey today!

Financial Strength

Conclusion

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 4430 Florin Rd Ste 1 Sacramento Ca 95823 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 2,047 full-time employees and 35 part-time employees who are always ready to assist you with a knowledgeable and committed team. Our total share accounts have reached an impressive 2,432,889, showing a strong and growing member base that trusts us with their finances.

Lending Capacity

Our commitment to supporting your financial goals is evident in our lending capacity. With $122,383 in used auto loans and $14,251,111,689 in total loans and leases, we're here to help you achieve your aspirations across various sectors. Our $82,266,177 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products tailored for our members.

Member-Centric Savings

Your savings are our priority. 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 focus on you; with non-member deposits at $300,000,000, our resources are geared towards benefiting our members through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

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 means more options for you as a member, whether you're saving for a dream vacation or looking to purchase your first home.

Solid 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. Whether you're interested in financing a brand-new vehicle or a reliable used car, our team is here to assist you every step of the way.

Commercial Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We understand the challenges of running a business and are dedicated to providing solutions that help you succeed.

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 work closely with you to ensure that you find the right mortgage solution tailored to your unique needs.

Refinancing Options

If you're considering refinancing any existing loans, we can help! Our experts will guide you through eligibility options and help you find the best rates available. Refinancing can lead to lower monthly payments or better loan terms that align with your current financial situation. At The Golden 1, located at 4430 Florin Rd Ste 1 Sacramento Ca 95823, Sacramento, CA, we're committed to serving our community with transparent financial solutions. Feel free to reach out 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 3:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you with all your lending needs!

Unsecured Credit Cards

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 competitive rates and various rewards options that fit your lifestyle.

Loan Aggregator

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