The Golden 1 Credit Union

Rooted in the heart of Sacramento, The Golden 1 branch at 515 La Sierra Dr is your local financial ally dedicated to helping you achieve your dreams. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays until 2:00 PM, this welcoming location offers convenient ATM services for quick cash withdrawals and balance checks, making everyday banking effortless. Whether you’re ready to take advantage of some of the best auto loans tailored to fit your vehicle financing needs or exploring low mortgage rates for purchasing or refinancing your home, the friendly Golden 1 team is here to provide personalized support every step of the way.
With over 1.13 million members and assets topping $19.5 billion, this Sacramento branch delivers a full suite 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 expertise whenever you need it. Plus, enjoy seamless online and mobile banking that keeps your finances accessible anytime.
Visit The Golden 1 branch at 515 La Sierra Dr or call 916-732-2900 today. Experience community-focused service—contact us for personalized guidance and discover how our signature auto loans and mortgage offerings can help you reach 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, your trusted financial partner since 1933! Located at 515 La Sierra Dr, Sacramento, CA 95864, we have been proudly serving our community for over nine decades. With a strong commitment to our members, we have grown to support over 1,132,440 individuals with a wide range of services tailored to meet their financial needs. At The Golden 1, we believe in providing more than just banking services; we offer a sense of belonging. Our total assets of $19,582,379,014 reflect our dedication to building a secure future for our members. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we are here to help you every step of the way. Led by our CEO Donna Bland and Board President Keri Thomas, our team of 2,082 employees is committed to ensuring that your experience with us is both positive and rewarding. We understand that every member's journey is unique, which is why we prioritize personalized service. While members can visit us at our branch location, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to reach out to us at (916) 732-2900. Our friendly staff is available Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. Join us today at The Golden 1 and discover how we can help you achieve your financial goals! For more information about our services or to open an account, please visit our website at The Golden 1.

Branch History & Mission

Join Us

While members can visit us at 515 La Sierra Dr, official correspondence should be sent to the same address as there is no separate mailing address. We invite you to explore what The Golden 1 can offer you. Whether you're looking for personal banking solutions or seeking ways to grow your business, you will find friendly faces ready to assist you. Ready to become part of something bigger? Experience the benefits of membership today! For more information or to join us online, please visit The Golden 1 or call us at 916-732-2900. Your journey towards financial empowerment starts here!

Mission Statement

At The Golden 1, our mission is simple yet impactful: to provide exceptional financial services while fostering community support and involvement. We strive to empower our members by offering a wide range of products such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our focus goes beyond transactions; we aim to build lasting relationships based on trust and mutual growth. We believe in giving back to our community through outreach programs and partnerships that uplift those in need. By supporting local initiatives, we contribute to the betterment of Sacramento and its surrounding areas.

Our Evolution

From humble beginnings nearly a century ago, The Golden 1 has evolved into one of California's largest credit unions. Our journey reflects not only the changes in financial services but also our dedication to meeting the needs of our diverse membership. We pride ourselves on being more than just a financial institution; we are a vital part of the community fabric. Over the years, we've embraced technology and innovation while remaining focused on personalized service that our members can rely on. Our operating hours are designed with your convenience in mind: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. While we don't offer drive-thru banking at this location, our ATM is readily available for cash withdrawals and balance checks.

Branch Location & Accessibility

Convenient Access and Parking

Our branch is designed with accessibility in mind. You'll find ample parking available, making it easy for you to stop by and take care of your banking needs. Our facility is ADA-compliant, ensuring that everyone can access our services comfortably.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why our lobby hours are tailored to accommodate your schedule. You can visit us Monday through Friday from 10:00 AM to 5:00 PM and on Saturdays from 10:00 AM to 2:00 PM. Whether you're stopping in for personal banking or exploring loan options, we're here for you when you need us.

Services Tailored Just for You

At The Golden 1, we offer a range of services designed to meet your financial needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered. Plus, with ATM access available at our branch, managing your cash has never been easier.

Stay Connected

If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 916-732-2900; our friendly staff is always ready to help you. We invite you to come visit us at our Sacramento branch and see how we can support your financial journey. While members can visit us at 515 La Sierra Dr, official correspondence should be sent directly to this address as well. We look forward to welcoming you into The Golden 1 family!

Member Eligibility

Becoming a member of The Golden 1 is like joining a welcoming family where your financial well-being is our top priority. Located at 515 La Sierra Dr Sacramento Ca 95864, we believe that everyone deserves access to friendly, personal banking services. To be eligible for membership, you simply need to live, work, or attend school in the areas we serve or have a family member who is already a member. It's really that easy! For detailed eligibility criteria, feel free to explore our website at http://www.golden1.com/membership-benefits. Once you're ready to take the next step, opening an account with us is a breeze just visit http://www.golden1.com/apply-today and follow the simple instructions. If you have any questions along the way, don't hesitate to reach out to us at (916) 732-2900. We can't wait to welcome you into our community!

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

Imagine having a trusted partner by your side as you process transactions smoothly and securely. Our merchant services provide just that making it easy for you to accept payments, manage cash flow, and focus on what matters most: running your business. Located at 515 La Sierra Dr Sacramento Ca 95864 in Sacramento, CA, our team is dedicated to offering personalized service tailored to your needs. Reach out to us at (916) 732-2900 during our lobby hours from Monday to Friday, 10:00 AM - 5:00 PM, or Saturday from 10:00 AM - 2:00 PM. Let's work together to unlock the full potential of your business!

Comprehensive List Of Services

ATM Services

Need cash? With our ATM and cash withdrawal services, accessing your funds is quick and easy. Our ATMs provide basic functions such as withdrawals and balance checks whenever you need them. At The Golden 1, we pride ourselves on offering services that not only meet but exceed member expectations. With our friendly team ready to assist you during lobby hours from Monday through Friday 10:00 AM - 5:00 PM and Saturday 10:00 AM - 2:00 PM, we're always here when you need us. If you're interested in learning more about how we can support your financial journey or wish to open an account with us today, please don't hesitate to reach out at (916) 732-2900 or visit us online at Arden Town. Your financial future starts here!

Business Solutions

If you're a business owner, we've got you covered too! Our business banking services, including merchant services and business loans, can help you grow and manage your business more effectively. We understand the unique challenges that businesses face and strive to offer personalized solutions.

Credit Cards

For those looking to manage their spending while earning rewards, our credit cards with rewards program offers great benefits on everyday purchases. Enjoy cash back or points redeemable for exciting rewards it's a smart way to make your money work for you!

Digital Banking Convenience

In today's fast-paced world, having control over your finances at your fingertips is crucial. That's why we offer robust online and mobile banking options. You can check balances, transfer funds, pay bills, and even utilize person-to-person payment services all from the comfort of your home or on-the-go.

Home Financing

Thinking about owning your own home? Our mortgage loans and refinancing options are tailored to help you find the right fit for your budget. We know that purchasing a home can be overwhelming, so our knowledgeable staff is ready to walk you through the process, ensuring you feel confident with your decisions.

Personal Banking

We offer various personal banking options that cater to different lifestyles and financial goals. Our checking and savings accounts provide flexibility and convenience, whether you're managing daily expenses or saving for a special occasion. If you're considering buying a car, our auto loans and vehicle financing solutions make it easy for you to hit the road in style without breaking the bank.

Personal Loans

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. Whether it's medical bills, home repairs, or other urgent needs, we provide quick access to funds so you can tackle those challenges head-on.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your balance, pay bills, and transfer money anytime you need. The ability to manage your finances in real-time means you can stay on top of your budget without any hassle. Plus, our mobile application makes it even easier to bank from wherever you are, putting all the essential features right at your fingertips. We also offer E-statements, so you can say goodbye to paper clutter and easily access your financial statements online. This not only simplifies record-keeping but also enhances security by reducing the risk of sensitive information falling into the wrong hands. For added convenience, we support person-to-person transfers, allowing you to send money to friends or family with just a few taps on your phone.

Security and Accessibility

Your security is our priority. With electronic signature authorization, signing documents has never been easier or more secure. You can complete transactions safely from the comfort of your home, which adds an extra layer of protection for your personal information. Additionally, if you're interested in making payments quickly and effortlessly, our mobile payments feature lets you use your smartphone for transactions. No need for cash or cards just tap and go! In summary, the digital banking experience at The Golden 1 is crafted for ease of use while ensuring that your financial data remains safe. Embrace the convenience of modern banking today with us!

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 are proud to share that our financial health is robust, reflecting our commitment to serving you well. 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. Our commitment to growth is further illustrated by having $1,920,233,614 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $122,383 in used auto loans and $14,251,111,689 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a net income of $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. As a testament to our strength, we manage a total of 2,432,889 share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $0, supporting the needs of 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 515 La Sierra Dr Sacramento Ca 95864 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. We provide flexible terms and competitive rates that make it easier for you to drive away in your dream vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment, our business loans are designed to support your entrepreneurial journey. At The Golden 1, we're committed to making banking easier for you. Our knowledgeable staff is available to discuss all loan options and help determine what works best for your unique situation. For more information or assistance, don't hesitate to reach out 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. Explore how we can help you secure the financing you need today!

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 offer various mortgage solutions designed to fit different budgets and lifestyles. If you're considering refinancing, our experts can guide you through the eligibility process to find the best solution for your situation.

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 come with rewards and benefits that make them a great choice for everyday purchases while providing financial flexibility.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh 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 using verified data means you get fair and transparent offers tailored to your needs. Each lender listed has been thoroughly vetted, ensuring that all information is accurate and up-to-date.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make choices based on current market conditions. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the genuine impact LendMesh has had in assisting individuals with their borrowing needs. Take control of your financial future today. Compare real-time loan offers 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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