The Golden 1 Credit Union Sacramento CA: Top Business Loans & Auto Financing

Introduction

Welcome to The Golden 1 Credit Union, where our commitment to serving our members is at the heart of everything we do. Located at 8945 Cal Center Dr, Sacramento, CA 95826, we've been a trusted partner in your financial journey since our establishment in 1933. With over 1,132,440 members and total assets exceeding $19.58 billion, we strive to provide personalized financial solutions that empower you to achieve your goals. At The Golden 1, we understand that each member's needs are unique. That's why we offer a wide range of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking options. Our total deposits amount to an impressive $777,140,260, reflecting the trust that our community places in us. Under the leadership of our CEO, Donna Bland, and Board President Keri Thomas, our dedicated team of over 2,082 employees is here to support you every step of the way. While you can visit us at our branch for any inquiries or assistance, official correspondence should be directed to our mailing address: P.O. Box 15966, Sacramento, CA 95852. We pride ourselves on being more than just a financial institution; we're a part of the community. Our focus on building lasting relationships means that when you walk through our doors, you're not just another number you're family. Whether you're looking for guidance on loans totaling around 485,183, or seeking advice on managing your savings with our robust net worth of over $2 billion, we are here for you. Explore all that we have to offer by visiting our website at golden1.com or give us a call at (916) 732-2900 during our lobby hours from Monday to Friday from 8:00 AM to 6:00 PM. Join us today and discover how The Golden 1 can help you thrive financially!

Branch History & Mission

Commitment to Innovation

As technology continues to advance, so do we. Our commitment to providing modern banking solutions includes online banking, mobile payments, and e-statements. We ensure that our services remain accessible and user-friendly for all members while maintaining strict ADA compliance standards. Our operating hours are Monday through Friday from 8:00 AM to 6:00 PM, allowing flexibility for our members' busy schedules. Although we currently do not have ATM or drive-thru services available at this location, we offer robust online tools for convenient banking at your fingertips.

Join Us Today!

With over 1132440 satisfied members and counting, The Golden 1 Credit Union invites you to experience the difference of being part of a member-focused institution. Explore all that we have to offer by visiting our website here or take the first step towards joining us here. Together, let's build a brighter financial future!

Our Mission

At The Golden 1, our mission is simple yet powerful: to empower our members through financial education and personalized service. We believe that everyone deserves access to high-quality financial products and resources tailored to their needs. Whether you're looking for a checking account, an auto loan, or mortgage refinancing options, we are here to help you every step of the way. We are also deeply committed to supporting our community through various outreach initiatives and partnerships with local organizations. By investing in programs that enhance education and economic development in Sacramento and beyond, we aim to create lasting positive change.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all members. Our location features ADA-compliant facilities, ensuring everyone can navigate our space comfortably. Additionally, parking is available nearby, making it convenient for you to visit us without the hassle of searching for a spot.

Operating Hours and Services

You can visit us Monday through Friday from 8:00 AM to 6:00 PM. This flexible schedule allows you to come in at a time that works best for you. While we do not have ATM services or drive-thru banking at this location, our team is ready to assist you inside the branch with personal banking services like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and much more. Feel free to reach out to us at 916-732-2900 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of The Golden 1 is like joining a family that genuinely cares about your financial well-being. If you're curious about eligibility, it's quite simple! Anyone who lives, works, worships, or attends school in the area is welcome to join us. This means whether you're a long-time resident or new to the community, you can take advantage of our supportive services designed just for you. Plus, as a member of The Golden 1, you gain access to exceptional benefits like competitive loan rates and personalized banking experiences that truly make a difference. To start your journey with us, check out the detailed eligibility criteria at http://www.golden1.com/membership-benefits . It's always a good idea to stay informed about any updates! When you're ready to open an account, visit us at http://www.golden1.com/apply-today it's an easy process that gets you one step closer to enjoying all we have to offer. If you have any questions, don't hesitate to call us at (916) 732-2900. We're here to help!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a payment processing solution that not only accepts payments but also helps manage your cash flow effectively. Our merchant services provide just that. They empower you to focus on what matters most growing your business while we take care of the financial transactions. Located at 8945 Cal Center Dr Sacramento Ca 95826 in Sacramento, CA, we're here to offer personalized service tailored to your unique business needs. Connect with us today at (916) 732-2900 to explore how we can assist you in achieving your business goals!

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 Services

For our business members, we provide comprehensive business banking services, including merchant services and business loans. If you're a small business owner looking to expand or invest in new equipment, our team is here to guide you through financing options that align with your goals.

Cash Withdrawal Services

While we do not have ATM services available at this branch location, we ensure that cash withdrawal services are accessible through various networks so that you can access your money when needed. At The Golden 1, we're not just about transactions; we're about relationships. Our friendly staff is always ready to assist with any questions or guidance you might need along the way. Ready to experience all that we have to offer? Visit us at 8945 Cal Center Dr Sacramento Ca 95826 or give us a call at (916) 732-2900 during our lobby hours from 8:00 AM to 6:00 PM, Monday through Friday. Join us today at The Golden 1 Credit Union Corporate Office, where your financial success is our priority!

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why The Golden 1 offers robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts anytime, anywhere. From checking balances to making transfers or paying bills online it's all designed to fit into your busy lifestyle.

Credit Cards and Rewards

When it comes to credit options, our credit cards with rewards program allows you to earn points on purchases that can be redeemed for exciting rewards. Imagine earning points while shopping for groceries or dining out it's just one more way we make managing your finances rewarding!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that cater to different lifestyles and financial goals. For instance, if you're saving for a big purchase or planning a vacation, our savings accounts can help you reach those milestones faster. Additionally, our auto loans and vehicle financing make it easy for you to drive away in your dream car without the stress of complicated paperwork. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans provide competitive rates and flexible options. We know that each member's situation is different, so we take the time to find the right fit for you. And if you need funds for personal projects or debt consolidation, our personal loans can be a great option.

Digital & Online Banking

Key Features

Managing your money has never been easier! You can enroll in e-statements for quick access to your account statements without the hassle of paper. Plus, with electronic signature authorization, signing documents is a breeze no need to visit a branch or wait for mail. When it comes to sending money, our person-to-person transfer service makes it easy to send funds directly to friends and family. If you're looking for a faster way to pay, you'll love our mobile payments feature. It allows you to make purchases securely from your phone no cash or cards needed!

Security and Accessibility

At The Golden 1, we prioritize your security while ensuring that our services are user-friendly. Our 24/7 online banking services let you monitor your accounts in real-time, giving you peace of mind wherever you are. You can easily track transactions and receive alerts for any unusual activity. Banking digitally should enhance your life, not complicate it. That's why we've made sure that every feature is designed with ease-of-use in mind. With just a few taps or clicks, you're in control of your financial world. Explore all that digital banking has to offer at The Golden 1 today! Your financial needs are just a click away!

Financial Strength

Growing Together

Total Share Accounts stand at 2,432,889, showing a strong and growing member base that trusts us with their finances. This trust allows us to maintain Net Shares (Funds available for lending and investments): $0. 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 8945 Cal Center Dr Sacramento Ca 95826 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.*

Member-Focused Savings

Your 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.

Reinvesting for Better 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 commitment to your financial wellness is reflected in our operations; our $82,266,177 illustrates our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for you.

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.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $122,383 in used auto loans and $14,251,111,689 in total loans and leases. 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.

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 flexible terms that fit your budget, whether you're purchasing a brand-new model or a reliable pre-owned vehicle.

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 businesses face and work closely with you to find solutions tailored to your needs. We also want you to know that refinancing options may be available if you're considering lower rates or better terms on your existing loans. For more details about eligibility and how we can assist you further, please visit our website or contact us directly 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. Join us at The Golden 1, located at 8945 Cal Center Dr Sacramento Ca 95826, Sacramento, CA, where we're committed to supporting your financial journey with competitive loan products and exceptional service.

Credit Lines and Unsecured Loans

For those needing extra cash flow or wanting to consolidate debt, our credit lines can be an excellent option. With a total of $10,047,012,483 available in credit lines and flexible terms on unsecured credit card loans amounting to $605,216,049, we help members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $633,013,903, which can help you secure your dream home. Whether you're a first-time buyer or looking to refinance an existing mortgage, we are here to guide you through the process.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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THE GOLDEN 1 CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans