The Golden 1 Credit Union

Nestled near the vibrant College Town area, The Golden 1 branch at 7770 College Town Dr in Sacramento is your welcoming neighborhood credit union dedicated to supporting your financial journey. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays until 3:00 PM, this convenient location provides easy ATM access for quick cash withdrawals and balance checks. Whether you're looking to secure one of the best auto loans tailored to fit your vehicle financing needs or exploring low mortgage rates for purchasing or refinancing your home, The Golden 1 team is here to offer personalized guidance with a friendly approach.
Serving over 1.13 million members with assets surpassing $19.5 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 7770 College Town Dr or call 916-732-2900 today. Experience community-driven service—start your membership today and discover how our signature auto loans and mortgage offerings 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 7770 College Town Dr, Sacramento, CA 95826, where we believe in building strong relationships with our members and empowering our community. Established in 1933, we are proud to have grown into a trusted financial partner for over 1,132,440 members. With total assets of $19,582,379,014 and total deposits amounting to $777,140,260, we offer a range of financial services designed to meet your needs. At The Golden 1, we understand that every member has unique goals. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, our dedicated team is here to help. Under the leadership of CEO Donna Bland and Board President Keri Thomas, we strive to provide exceptional service backed by a solid financial foundation. Our commitment to serving you extends beyond banking. We proudly support local initiatives and engage with our community to make a positive impact. With a net worth of $2,041,864,607 and cash in hand totaling $747,087,746, we ensure that your deposits are safe and secure. While you can visit us at our branch for all your banking needs, feel free to reach out anytime at (916) 732-2900. Explore more about our offerings on our website at www.golden1.com. We invite you to join us on this journey towards financial success because at The Golden 1, your future is our priority!

Branch History & Mission

At The Golden 1, we believe in building a strong community through financial empowerment. Founded in 1933, our branch has a rich history of serving the residents of Sacramento, CA. Located at 7770 College Town Dr, we have witnessed the growth and changes in our community and have adapted to meet the evolving needs of our members. From humble beginnings, The Golden 1 has grown significantly over the years. Today, we proudly serve over 1.1 million members, managing total assets of approximately $19.58 billion. Our commitment to providing exceptional service has allowed us to thrive and expand our offerings while staying true to our roots. Our mission is simple yet powerful: to enhance the lives of our members by providing accessible financial services and fostering community support. We strive to create a welcoming environment where everyone can find the resources they need whether it's opening a checking account or securing an auto loan. Our goal is not just to offer banking solutions but to be a trusted partner in our members' financial journeys. While you can visit us at our branch address, please note that official correspondence should be sent to our mailing address if it differs from your visit location. Our dedicated team is here to assist you 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. We understand that convenience matters. That's why we offer ATM services for easy access to your funds whenever you need them. Although we don't have drive-thru banking available at this location, we ensure that all member services are accessible with ADA compliance in mind. Community involvement is at the heart of what we do. Through various partnerships and outreach programs, The Golden 1 actively supports local initiatives aimed at improving the quality of life in Sacramento. We believe that by working together, we can make a positive impact on those around us. As we look toward the future, we invite you to join The Golden 1 family. Experience firsthand the benefits of membership and how we can help you achieve your financial goals. Visit us today or explore more about becoming a member online at The Golden 1. Together, let's build a brighter future!

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance before your visit, feel free to give us a call at 916-732-2900. Our team is always here to help! We invite you to stop by The Golden 1 today and discover how we can support your financial journey.

Easy Access and Nearby Landmarks

Located near popular landmarks like California State University, Sacramento, our branch is perfectly situated for students, faculty, and local residents alike. With ample parking available right outside our doors, you can pop in with ease. We are dedicated to making banking accessible for everyone our facilities are ADA compliant and equipped with ramps to assist those who need them.

Operating Hours That Fit Your Schedule

At The Golden 1, we understand that your time is valuable. That's why we're open Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 3:00 PM. Our friendly staff is ready to help you during these hours with all the personal banking services you may need from checking and savings accounts to auto loans and mortgages.

Services Designed For You

We offer a variety of services tailored to meet your financial needs. Whether you're looking for personal loans, credit cards with rewards, or business banking solutions, we've got you covered. Plus, with ATM availability right on-site, you can quickly access cash or check your balance anytime during operating hours.

Member Eligibility

At The Golden 1, we believe that everyone deserves a chance to be part of a friendly and supportive financial community. Becoming a member is simple and welcoming! If you live, work, or attend school in certain areas, you might already qualify. We invite individuals from various backgrounds and professions to join us. To find out more about the specific eligibility criteria, please visit our detailed page at http://www.golden1.com/membership-benefits. Once you're ready to take the next step, opening an account with us is an easy process that can be done online or by visiting us at our location: 7770 College Town Dr Sacramento Ca 95826. We offer a range of services tailored to meet your needs and help you achieve your financial goals. If you have any questions or need assistance, don't hesitate to reach out at (916) 732-2900. Join us at The Golden 1 today and start enjoying the many benefits of membership!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what matters most running your business. Picture this: a customer walks into your store, makes a purchase, and pays seamlessly through one of our easy-to-use payment systems. This not only enhances customer satisfaction but also improves your operational efficiency. When you're ready to take your business to the next level, reach out to us at (916) 732-2900 or visit us 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. At The Golden 1, we're here to help you succeed!

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 Made Easy

For local businesses looking to thrive, we offer comprehensive Business Banking solutions that include Merchant Services & Business Loans. We understand that running a business comes with its own set of challenges, and we're here to provide the financial tools necessary for success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options that allow you to manage your accounts anytime, anywhere. Need cash on the go? Our ATM & Cash Withdrawal Services, along with basic ATM access for balance checks and withdrawals, ensure you have easy access to your funds.

Get Started Today!

If you're ready to take control of your financial future with a credit union that genuinely cares about its members, visit us at 7770 College Town Dr Sacramento Ca 95826 in Sacramento, CA or call us at (916) 732-2900. Explore how our diverse range of services can help you achieve your goals. You can also learn more about becoming a member by visiting our website or applying today at this link. Join us at The Golden 1 your trusted financial ally!

Personal Banking Solutions

Managing your finances has never been easier with our personal banking options. We offer Checking & Savings Accounts that cater to all lifestyles, helping you save for vacations, emergencies, or that special purchase. If you're looking to drive home in a new car, our Auto Loans & Vehicle Financing solutions make it simple to get behind the wheel without breaking the bank. For those considering homeownership or refinancing their current mortgage, our Mortgage Loans & Refinancing services are designed to make the process smooth and straightforward.

Support for Your Financial Goals

Sometimes life presents unexpected challenges. That's where our Personal Loans & Debt Consolidation services come into play. Whether you need funds for an unexpected expense or want to simplify your bills into one manageable payment, we've got you covered. Plus, our Credit Cards with Rewards give you the chance to earn while you spend perfect for everyday purchases or special treats.

Digital & Online Banking

Banking on Your Mobile Device

Our mobile application puts the power of banking right in your pocket. Enjoy features like mobile payments and person-to-person transfers, making it easy to send money to friends and family instantly. Plus, with our mobile app, you can manage your accounts anytime, anywhere no need to visit a branch!

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.golden1.com/, you can check your balance, pay bills, and transfer funds from the comfort of your home or while waiting in line. Our user-friendly platform makes it easy to stay on top of your accounts, ensuring you're always in control of your finances.

Go Green with E-Statements

Why clutter your mailbox? With our e-statements feature, you can receive your account statements electronically. This not only helps reduce paper waste but also allows you to access your financial information quickly and securely whenever you need it.

Join Us Today

Experience the convenience and security of digital banking at The Golden 1. Sign up today at https://www.golden1.com/ and take control of your financial journey!

Secure Transactions Made Simple

Security is a top priority at The Golden 1. We offer electronic signature authorization for a hassle-free experience when signing documents online. You can also rest assured knowing that all transactions are protected with robust security measures.

Financial Strength

Dedicated Team Ready to Serve You

We pride ourselves on having 2,047 full-time employees and 35 part-time employees who are committed to serving you. Our knowledgeable team is always ready to assist you with your banking needs.

Growing Member Base

We have a strong and growing member base with a total of 2,432,889 share accounts. This trust from our community underscores our commitment to providing excellent service and reliable financial products. 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 7770 College Town Dr Sacramento Ca 95826 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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. This investment allows us to support your financial needs effectively.

Lending Capacity for Your Needs

Our lending capacity is designed to support your goals. We offer $122,383 in used auto loans and $14,251,111,689 in total loans and leases, ensuring that we can meet various borrowing needs across different sectors. Our operational efficiency is reflected in our $82,266,177, which allows us to continue offering competitive loan rates and solid financial products for our members.

Secure Savings Opportunities

Your savings are secure with us. Members' funds are backed by $4,565,491,792 in share certificates and $3,862,119,266 in money market shares, providing you with stable and rewarding growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $300,000,000, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

With a net worth of $2,041,864,607, we maintain robust 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 one, our team is here to assist you with straightforward application processes and quick approvals.

Business Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. We understand that running a business comes with its challenges, and our financial products are here to support your entrepreneurial journey.

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're committed to helping you navigate the home-buying process with ease, offering guidance every step of the way.

Refinancing Options

If you're considering refinancing an existing loan for better rates or terms, our team can help you explore eligibility options that suit your financial needs. Refinancing can lower your monthly payments or help you pay off your loans faster. At The Golden 1, we pride ourselves on transparency and service. Our friendly staff is ready to assist you with any questions about our loan products or the application process. Don't hesitate to reach out at (916) 732-2900, or visit us at 7770 College Town Dr Sacramento Ca 95826, 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 take the next step towards your financial success!

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. These cards provide an excellent way to handle everyday purchases while building your credit history.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you navigate the complex lending landscape with ease and confidence. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence guarantees that the offers presented are fair and transparent, based on the latest results (Source: https://www.ncua.gov). By focusing on verified financial institutions, LendMesh provides users with reliable data that they can trust. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the goal is to provide unbiased results that truly reflect the best options available for borrowers. Another advantage of LendMesh is its real-time rate comparisons. Users have access to up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. This capability is especially valuable in today's fast-moving market where rates can change rapidly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be in helping individuals save money. 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.

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