The Golden 1 Credit Union Salinas CA: Affordable Vehicle Loans & Business Banking

Introduction

Welcome to The Golden 1 at our Salinas branch, located at 1273 N Davis Rd, Salinas, CA 93907. Since opening our doors in 1933, we've been committed to serving our community with trust and reliability. With over 1,132,440 members, we pride ourselves on being more than just a credit union; we are your financial partner in achieving personal and business goals. At The Golden 1, we understand that your financial needs are unique. That's why we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our total assets amount to an impressive $19,582,379,014, ensuring that we have the resources to support you. We also manage over $777,140,260 in deposits from our valued members. Led by our dedicated CEO Donna Bland and Board President Keri Thomas, our team of 2,082 employees is here to provide personalized service tailored to your needs. Whether you're looking for assistance with loans or exploring investment options, we are here to help you every step of the way. Feel free to reach out to us at (916) 732-2900 for any inquiries or visit us online at www.golden1.com for more information about our services. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Welcome to The Golden 1 branch in Salinas, California, a place where community spirit and financial empowerment come together. Established in 1933, our branch has a long-standing history of serving members with dedication and integrity. Over the decades, we have grown alongside our community, adapting to the changing needs of our members while maintaining our core values. Located at 1273 N Davis Rd, Salinas, CA 93907, our branch is easily accessible for those in the area. Whether you are near the vibrant downtown or exploring the beautiful local parks, you'll find us ready to assist you with your financial needs. If you're sending official correspondence, please note that our mailing address is also at this location. Our mission is simple yet profound: to provide exceptional financial services while making a positive impact in our community. With over 1,132,440 members and total assets of $19,582,379,014, we pride ourselves on being a trusted partner in helping individuals and families achieve their financial goals. Our commitment extends beyond banking; we actively participate in local initiatives and partnerships aimed at uplifting those around us. At The Golden 1, we offer a wide range of services including personal banking accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. In addition to traditional banking hours from Monday to Friday 10:00 AM - 5:00 PM and Saturday from 10:00 AM - 2:00 PM, we also embrace technology by providing online and mobile banking options. This allows our members to manage their finances conveniently from anywhere. We understand that accessibility is key for our members. Our branch features an ATM for easy cash withdrawals and balance checks. Although we do not currently offer drive-thru services or shared service centers, we strive to ensure that every visit is welcoming and helpful. As we continue to grow and evolve, The Golden 1 remains committed to fostering financial literacy and offering resources that empower our members. We invite you to be part of this journey. Join us today and experience the benefits of being a member at The Golden 1. For more information or to open an account online, visit The Golden 1 website. Together, let's build a brighter future for our community!

Branch Location & Accessibility

Welcome to The Golden 1's Westridge branch, conveniently located at 1273 N Davis Rd in beautiful Salinas, California. Our location is easy to find and surrounded by familiar landmarks, making your visit stress-free. Whether you're coming from downtown Salinas or nearby neighborhoods, you'll appreciate the accessibility we offer. At our Westridge branch, we ensure that every member feels welcome. With ample parking available right outside, you can quickly hop in and out for all your banking needs. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to make sure everyone can access our services comfortably. We're proud to offer a range of financial services tailored to fit your lifestyle. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have what you need under one roof. Plus, if you ever need cash quickly, our ATM service is readily available for your convenience. Our friendly staff 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 2:00 PM. If you have any questions or need assistance before stopping by, feel free to give us a call at 916-732-2900. While members can visit us at 1273 N Davis Rd, official correspondence should be sent directly to our mailing address if different. We look forward to serving you at The Golden 1's Westridge branch! Come see us today!

Member Eligibility

At The Golden 1, we believe that everyone deserves a supportive financial community, and becoming a member is your first step towards enjoying the benefits we offer. If you live, work, or worship in certain areas of California, or if you're a family member of an existing member, you are likely eligible to join us. Our goal is to make banking accessible and personal, so even if you're unsure about your eligibility, we encourage you to reach out! You can find all the detailed information about membership criteria at http://www.golden1.com/membership-benefits. Joining The Golden 1 not only opens up a world of services tailored for you but also connects you with a community that cares. Whether it's managing your savings, securing a loan, or simply having a place to ask questions about your finances, we are here for you every step of the way. The process to open an account is straightforward and welcoming; just visit us at http://www.golden1.com/apply-today or give us a call at (916) 732-2900. We look forward to welcoming you into our family at The Golden 1, located at 1273 N Davis Rd Salinas Ca 93907!

Business Banking & Commercial Services

Financing Options for Growth

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 That Make Life Easier

In addition to loans, we offer merchant services that streamline transactions and enhance cash flow. Imagine being able to accept payments anywhere whether at a bustling storefront or during a local market event. Our payment processing solutions help you serve customers better while managing your finances efficiently. Visit us at 1273 N Davis Rd Salinas Ca 93907 in Salinas, CA or call us at (916) 732-2900 to learn how we can partner with you on your business journey. Let's grow together!

Comprehensive List Of Services

Credit Card and Business Banking Options

We know that rewards matter. That's why we offer credit cards with rewards, giving you the opportunity to earn while you spend. This is especially beneficial for those who want to maximize their everyday purchases. For entrepreneurs and small businesses, our business banking services, including merchant services and business loans, provide essential resources to help your venture thrive. You'll find everything from checking accounts specifically designed for businesses to financing options that can aid in growth.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we proudly offer robust online and mobile banking solutions. With these tools, managing your accounts is simple; pay bills, transfer money, or check balances anytime, anywhere all at your fingertips. Plus, our ATM services ensure that cash withdrawals and balance checks are hassle-free.

Easy Access at Your Convenience

Located at 1273 N Davis Rd Salinas Ca 93907, we invite you to visit us during our lobby hours: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. For quick transactions, feel free to use our ATM available on-site. With all these offerings, The Golden 1 aims to be more than just a credit union; we strive to be your trusted partner in financial wellness. If you're ready to explore how we can assist you further or want more information about membership benefits, don't hesitate to reach out! Give us a call at (916) 732-2900, or visit us online at https://www.golden1.com/. Join us today and take the first step toward securing your financial future!

Personal Banking Solutions

Our personal banking services are tailored to help you achieve your financial goals. You can choose from various checking and savings accounts that fit your lifestyle, ensuring you have easy access to your funds whenever you need them. If you're considering buying a new car, our auto loans and vehicle financing options provide competitive rates that make it easier for you to drive away in the car of your dreams. For those looking at purchasing a home or refinancing an existing mortgage, our mortgage loans offer flexible terms and personalized assistance to help simplify the process. If you're dealing with debt and need a fresh start, our personal loans and debt consolidation services can guide you on the path to financial freedom.

Digital & Online Banking

Key Services for Your Convenience

Our 24/7 online banking services ensure you can check balances, pay bills, and transfer funds whenever it suits you. Plus, with our mobile application, banking on the go has never been easier. Whether you're commuting or enjoying a weekend getaway, you can manage your money right from your smartphone. One of the standout features is our person-to-person transfer option. Need to send money to a friend? It's simple and quick! You can also enjoy the benefits of electronic statements, making it easier to track your spending without the clutter of paper.

Security and Ease-of-Use

Security is a top priority at The Golden 1. We offer electronic signature authorization to ensure that your transactions are safe and verified. You can feel confident knowing that your financial information is protected with state-of-the-art security measures. Navigating our digital services is user-friendly, so you don't need to be a tech expert to use them effectively. With just a few clicks or taps, you can access everything you need for real-time account management. In today's fast-paced world, convenience matters more than ever. That's why at The Golden 1, we strive to provide accessible solutions that fit your lifestyle. For more information about our digital banking services, visit us online at https://www.golden1.com/ and experience the ease of banking made just for you!

Financial Strength

Commitment to Growth

Our commitment to growth is further highlighted by our $1,920,233,614 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you 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.

Growing Member Base

Total Share and Deposit Accounts stand at 2,432,889, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) total $0, reinforcing our ability to support your financial needs effectively. In 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 1273 N Davis Rd Salinas Ca 93907 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Operational Efficiency

Our operational efficiency is evident 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.

Strong Financial Position

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. We make it easy to finance your next vehicle, whether it's new or pre-owned.

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 enhance your current business operations, we have financing options available. At The Golden 1, we're not just about lending; we're about building relationships with our members. We encourage you to explore refinancing options if you're looking for better rates on existing loans. For more information on eligibility and how we can assist you further, please visit our website or give us a call 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. Let us help you take the next step towards achieving your financial aspirations!

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. Whether you're purchasing your first home or looking to refinance your existing mortgage, our team can guide you through the process.

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 can be a great way to build credit while enjoying rewards and low-interest rates.

Loan Aggregator

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