The Golden 1 Credit Union

Nestled in the growing Tracy community, The Golden 1 branch at 3202 W Grant Line Rd is your welcoming partner for comprehensive financial solutions. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays from 10:00 AM to 2:00 PM, this convenient location offers easy ATM access for quick cash withdrawals and balance checks, making everyday banking simple and accessible. Whether you’re ready to drive away with one of the best auto loans tailored to your vehicle financing needs or exploring low mortgage rates for purchasing or refinancing your home, the dedicated Golden 1 team is here to provide expert guidance with a personal touch.
Serving over 1.13 million members and managing assets nearing $20 billion, this Tracy branch delivers a full range of personal and business banking services designed around your unique lifestyle. From rewarding credit cards packed with 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 within reach anytime.
Visit The Golden 1 branch at 3202 W Grant Line Rd in Tracy or call 916-732-2900 today. Experience neighborhood-focused service—contact us for personalized guidance 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, your trusted financial partner located at 3202 W Grant Line Rd, Tracy, CA 95304. Since our establishment in 1933, we've been committed to serving our community with integrity and dedication. With over 1,132,440 members, we take pride in fostering a welcoming environment where everyone can achieve their financial goals. At The Golden 1, we understand that each member's needs are unique. That's why we offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions. Our total assets stand at an impressive $19,582,379,014, ensuring we have the resources to support you every step of the way. Additionally, with total deposits of $777,140,260, we provide a secure place for your hard-earned money. Led by our dedicated CEO, Donna Bland, and Board President, Keri Thomas, our team of 2,082 employees is here to assist you with personalized service. We believe in making banking accessible and convenient; that's why we offer online and mobile banking options along with ATM services for easy cash withdrawals. While members can visit us at our branch for all their banking needs, we also emphasize the importance of official correspondence. If you need to send any documents or letters to us, please do so via our mailing address. We're passionate about empowering our members to make informed financial decisions. If you're ready to take the next step towards financial wellness or have any questions about our offerings, don't hesitate to reach out! Call us at (916) 732-2900 or visit our website at The Golden 1 for more information. Join us today and discover how The Golden 1 can help you navigate your financial journey with confidence!

Branch History & Mission

Commitment to Community

The Golden 1's dedication extends beyond banking. We actively participate in community outreach programs and partner with local organizations to foster growth and development within Tracy and beyond. Whether it's through financial literacy workshops or supporting local events, we are committed to giving back. With operating hours designed for your convenience Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM our team is always ready to assist you. You can reach us at (916) 732-2900 for any inquiries.

Embracing Technology

In today's fast-paced world, we understand the importance of technology in enhancing your banking experience. Our branch offers ATM services for easy cash withdrawals and balance checks. Additionally, with features like online banking, mobile payments, and e-statements available, managing your finances has never been easier or more secure.

Join Us Today

As we continue to grow and evolve, we invite you to become part of The Golden 1 family. Experience the benefits of being a member of a credit union that truly cares about your financial well-being. Visit us today at our Tracy branch or explore more about membership opportunities by visiting our website. Together, let's build a brighter financial future!

Our Journey

Located at 3202 W Grant Line Rd, Tracy, CA 95304, our branch has seen remarkable changes over the decades. From our humble beginnings to becoming a trusted financial partner for countless families and businesses, The Golden 1 has continually adapted to meet the evolving needs of our members. While you can visit us at this address for all your banking needs, we also offer convenient digital services that allow you to manage your finances from anywhere. Our mission is clear: we strive to provide exceptional financial services while making a positive impact on our community. We believe in empowering individuals through education and support, ensuring everyone has access to the tools they need for financial success.

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance before your visit, feel free to call us at 916-732-2900. We're here to support you every step of the way! Come see us today; we look forward to welcoming you to The Golden 1 family!

Easy Access and Parking

Finding us is a breeze. We offer ample parking space right outside our entrance, so you won't have to worry about finding a spot. Our branch is also equipped with ADA-compliant features, including ramps and accessible entrances, ensuring everyone can enjoy our services comfortably.

Operating Hours That Fit Your Schedule

Our friendly team is here to assist you during convenient hours. You can visit us Monday through Friday from 10:00 AM to 5:00 PM and on Saturday from 10:00 AM to 2:00 PM. Whether you're looking to open a new account or need assistance with a loan, we're ready to help!

Services Tailored for You

At The Golden 1, we provide a range of personal banking services such as checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. Need cash? We've got you covered with an ATM available on-site for quick withdrawals and balance checks.

Member Eligibility

Joining The Golden 1 is like becoming part of a welcoming family that truly cares about your financial well-being. If you live, work, or go to school in the area, you're already on your way to membership! We also embrace those who have family members already part of our community. This means that whether you're just starting out or looking for a place that understands your unique needs, we're here for you. Being a member at The Golden 1 opens up a world of benefits, from personalized banking services to competitive loan rates, all designed to support you in reaching your financial goals. To learn more about what makes you eligible, feel free to check out our detailed criteria at http://www.golden1.com/membership-benefits. When you're ready to take the next step and open an account, it's as easy as clicking through to our application page at http://www.golden1.com/apply-today. If you have any questions or need assistance along the way, don't hesitate to give us a call at (916) 732-2900. We're excited to welcome you into our community at 3202 W Grant Line Rd Tracy Ca 95304!

Business Banking & Commercial Services

Merchant Services Made Simple

In today's competitive market, having reliable merchant services can set you apart. Imagine seamlessly processing payments while keeping your focus on serving customers. Our merchant services help streamline transactions, allowing you to accept various payment methods effortlessly. This means quicker sales and happier customers, which is what every business owner strives for. Located at 3202 W Grant Line Rd Tracy Ca 95304 in Tracy, CA, we're here to help you take the next step towards achieving your business goals. Reach out to us at (916) 732-2900 and discover how our tailored solutions can benefit you today!

Tailored 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.

Comprehensive List Of Services

Access and Convenience

Your convenience is important to us. With ATM & Cash Withdrawal Services, including basic ATM access for withdrawals and balance checks, managing cash is easier than ever. Plus, with features like Mobile Payments and person-to-person transactions available through our online platforms, banking is just a tap away. At The Golden 1, located at 3202 W Grant Line Rd Tracy Ca 95304 in Tracy, CA, we're dedicated to making banking accessible and straightforward for all our members. If you have questions or need assistance with any of our services, don't hesitate to call us at (916) 732-2900.

Business Services

For our business members, we offer tailored Business Banking services including Merchant Services & Business Loans. If you're an entrepreneur looking to expand or need assistance with day-to-day operations, we have the resources and expertise to support your success.

Credit Cards

Don't forget about our Credit Cards with Rewards! You can earn points on everyday purchases, which can be redeemed for travel, merchandise, or even cash back. It's like getting rewarded for spending wisely!

Home Financing

For those considering homeownership, we provide Mortgage Loans & Refinancing options. Our knowledgeable staff will guide you through the process, helping you find the right mortgage solution that fits your budget and lifestyle. Picture yourself settling into a new home with peace of mind knowing you've made a smart financial choice.

Join Us Today!

Ready to take control of your finances? Explore all our services and see how we can help by visiting us online at Tracy or apply today at http://www.golden1.com/apply-today. Your journey towards smarter banking starts here!

Personal Banking

We start with Personal Banking, offering various Checking & Savings Accounts designed to fit different lifestyles. Whether you need a simple checking account for everyday transactions or a savings account to help you reach your future goals, we've got options for you. Imagine having easy access to your funds through our Online & Mobile Banking services, allowing you to manage your accounts anytime, anywhere. If you're thinking about getting a new car or refinancing an existing vehicle, our Auto Loans & Vehicle Financing can make that dream a reality. With competitive rates and flexible terms, we help simplify the process so you can focus on enjoying the ride.

Personal Loans

Life can sometimes throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come in handy. We aim to provide quick solutions that allow you to cover emergencies or consolidate debt into manageable payments, helping ease financial stress.

Digital & Online Banking

Accessibility and User-Friendliness

Managing your accounts has never been easier with our user-friendly mobile application. Whether you're at home or on the go, you can check balances, view e-statements, and even sign documents electronically using our electronic signature authorization feature. And yes, we provide e-statements to help you go paperless and keep things organized. With every service designed with you in mind, The Golden 1 is committed to making banking not just accessible but enjoyable. Experience the ease of real-time account management today!

Key Services

Our online banking services are available 24/7, giving you the freedom to handle your finances on your schedule. From checking your balance to transferring funds, everything is just a few clicks away. You can enjoy the peace of mind that comes with secure access to your account, knowing that we prioritize your safety. Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple and quick. Just enter their information, and you're all set! Plus, with our mobile payments option, you can pay for purchases directly from your phone no need for cash or cards.

Financial Strength

Commitment to Growth

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 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.

Operational Efficiency

Our operational efficiency is reflected in our $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.

Secure Savings Options

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.

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.

Trusted Member Base

Total Share Accounts: 2,432,889, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $0, further highlighting our dedication to serving you effectively. 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 3202 W Grant Line Rd Tracy Ca 95304 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Loan Offering

At The Golden 1, we understand that life can throw various financial needs your way, and we're here to help you tackle them with our diverse loan offerings. Whether you're looking to purchase a new vehicle, finance a home, or manage everyday expenses, our loan products are designed with your goals in mind. With over 485,183 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans stand out, boasting some of the lowest rates in the industry. Looking to buy a new car? Our auto loans have already facilitated $2,384,962,486 in new vehicle loans and $2,488,185,507 in used vehicle loans, helping members get on the road confidently. If homeownership is on your radar, explore our mortgage options. Our Junior Lien 1-4 Family Residential Properties loans total $633,013,903, making buying or refinancing straightforward and accessible. We strive to make home financing as easy as possible for our members. For those seeking additional credit flexibility, we offer unsecured credit card loans with a total of $605,216,049 available to help you manage your finances effectively. You can use these funds for various needs without the hassle of collateral. Additionally, if you're a business owner, our outstanding commercial loans amounting to $594,122,356 provide essential capital for growth and expansion. We are committed to supporting local businesses and their financing needs. Our team at The Golden 1 is dedicated to helping you find the right loan product tailored specifically to your situation. We also provide refinancing options for existing loans, ensuring that you can adjust your financial strategy as needed. To learn more about eligibility and how we can assist you further, feel free to reach us at (916) 732-2900 or visit us at our location: 3202 W Grant Line Rd Tracy Ca 95304 in Tracy, CA. Our friendly staff is ready to guide you through your borrowing options and answer any questions you may have. Remember, 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 helping you achieve your financial dreams!

Loan Aggregator

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