The Golden 1 Credit Union

Nestled in the vibrant Vacaville community, The Golden 1 branch at 196 Nut Tree Pkwy Ste L is your welcoming financial partner for personalized banking 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. Whether you're ready to drive away with one of the best auto loans tailored to your vehicle financing needs or looking to secure low mortgage rates for buying or refinancing your home, the knowledgeable Golden 1 team is here to support your journey every step of the way.
Serving over 1.13 million members with assets surpassing $19.5 billion, this Vacaville branch provides a full spectrum of personal and business banking services 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 guidance whenever you need it. Plus, enjoy seamless online and mobile banking that keeps your finances within reach anytime.
Visit The Golden 1 branch at 196 Nut Tree Pkwy Ste L or call 916-732-2900 today. Experience community-centered service—contact us for personalized guidance and explore how our signature auto loans and mortgage products 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 in beautiful Vacaville, CA! Located at 196 Nut Tree Pkwy Ste L, our branch has been serving the community since 1933, and we take pride in being a trusted financial partner for our members. With a strong commitment to your financial well-being, we have grown to serve over 1,132,440 members and manage total assets of $19,582,379,014. At The Golden 1, we understand that each member's needs are unique. That's why we offer a range of personalized services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our goal is to provide you with the tools you need to achieve your financial dreams. We are proud of our dedicated team of 2,082 employees, led by our CEO Donna Bland and Board President Keri Thomas. Together, they ensure that we maintain a strong net worth of $2,041,864,607 and keep our services aligned with what matters most to you. While you can visit us at our Vacaville branch for all your banking needs, please note that official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out at (916) 732-2900. Join us today and discover why so many in the Vacaville community trust The Golden 1 for their financial needs. Visit us online at The Golden 1 or come see us in person we're excited to help you on your financial journey!

Branch History & Mission

The Golden 1 Credit Union, located at 196 Nut Tree Pkwy Ste L in Vacaville, CA, has a proud history that dates back to its founding in 1933. Over the decades, it has grown from a small financial institution into a vital part of the community, currently serving over 1.1 million members and holding total assets of approximately $19.58 billion. This impressive growth reflects our commitment to providing exceptional financial services while prioritizing the needs of our members. At The Golden 1, our mission is clear: we are dedicated to empowering our members through accessible banking solutions that help them achieve their financial goals. We believe that everyone deserves a fair chance at financial success, which is why we offer a range of services including personal banking, auto loans, mortgage loans, and business banking options. Our commitment extends beyond just banking; we actively engage with the community through various outreach programs and partnerships aimed at supporting local initiatives. Our branch operates Monday through Friday from 10:00 AM to 5:00 PM and on Saturdays from 10:00 AM to 2:00 PM, making it convenient for members to access our services. While you can visit us at our physical location in Vacaville, please note that any official correspondence should be sent to our mailing address if it differs from the branch address. We understand the importance of technology in today's world. That's why we have embraced digital advancements like online and mobile banking, allowing our members to manage their finances anytime and anywhere. Our ATM availability enhances this convenience further, providing easy access to funds when needed. As part of our commitment to inclusivity, The Golden 1 ensures ADA compliance across all platforms, making sure that everyone can benefit from our services without barriers. Our focus on customer satisfaction is evident in every aspect of our operations. Join us at The Golden 1 and experience firsthand how we can support your financial journey. Whether you're looking for a new loan or simply want to open an account, we invite you to become part of our growing family. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to The Golden 1 in Vacaville! Conveniently located at 196 Nut Tree Pkwy Ste L, our branch is ready to serve you with a smile. Whether you're just down the street or visiting from nearby areas, finding us is easy. We're nestled near popular spots like Nut Tree Plaza, making it simple to stop by during your shopping trips or errands. At The Golden 1, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can access our services comfortably. Ample parking is available, so you won't have to worry about finding a spot when you visit. Our doors are open Monday through Friday from 10:00 AM to 5:00 PM and on Saturday from 10:00 AM to 2:00 PM, giving you plenty of time throughout the week to take care of your banking needs. If you prefer banking on the go, we also offer an ATM for quick withdrawals and balance checks right outside the branch. While members can visit us at 196 Nut Tree Pkwy Ste L for all their banking needs, please note that we do not have a drive-thru service available at this location. However, our friendly staff is always ready to assist you inside. If you have questions or need assistance before your visit, don't hesitate to give us a call at 916-732-2900. We look forward to welcoming you to The Golden 1 in Vacaville your trusted partner in personal and business banking!

Member Eligibility

Becoming a member of The Golden 1 is like joining a family where everyone supports each other on their financial journeys. If you live, work, or go to school in the area around our branch at 196 Nut Tree Pkwy Ste L Vacaville Ca 95687, you're likely eligible to join us. We believe that everyone deserves access to financial services that truly benefit them, and our membership is open to a diverse range of individuals. For more detailed information about eligibility requirements, feel free to check out this resource: http://www.golden1.com/membership-benefits. Joining is simple! You can open your account quickly by visiting us online or at the branch. Our friendly team is here to help guide you through the process and answer any questions you might have. Don't hesitate to give us a call at (916) 732-2900 if you need assistance. We're excited to welcome you into our community and provide you with the tools and support to help achieve your financial goals! For more details on how to get started, visit http://www.golden1.com/apply-today.

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, having reliable merchant services can make all the difference. Picture this: a local café using our point-of-sale systems to streamline transactions while tracking sales data effortlessly. This not only enhances customer experience but also provides valuable insights for making informed business decisions. Visit us at 196 Nut Tree Pkwy Ste L Vacaville Ca 95687 in Vacaville, CA or call us at (916) 732-2900 to discover how we can help your business thrive!

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

Are you a small business owner? Our business banking services include merchant services and business loans tailored specifically for entrepreneurs like you. We understand that running a business comes with its own set of challenges, and we're here to support your growth.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! They allow you to earn points on everyday purchases, which can be redeemed for travel, merchandise, and more making your spending work for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can manage your accounts anytime, anywhere from checking balances to making transfers all from the comfort of your smartphone or computer. Plus, our ATM services ensure that cash withdrawal is just a few taps away.

Get Started Today!

Whether you're looking to open an account or explore financing options, we're here to assist you every step of the way. Don't hesitate to reach out; give us a call at (916) 732-2900 or visit us at 196 Nut Tree Pkwy Ste L Vacaville Ca 95687 in Vacaville. Discover how The Golden 1 can support your financial goals today!

Personal Banking Solutions

For those looking to manage their finances effectively, our personal banking services are designed with you in mind. Whether you're interested in opening a checking or savings account, we've got options that can fit any lifestyle. Perhaps you're dreaming of a new car? Our auto loans and vehicle financing make it easy to get behind the wheel without breaking the bank. We also offer mortgage loans and refinancing solutions, so you can find a comfortable place to call home. If life throws unexpected expenses your way, our personal loans and debt consolidation options can provide the relief you need.

Digital & Online Banking

At The Golden 1, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to put you in control, no matter where you are. Our online banking platform is accessible 24/7, allowing you to check your balance, pay bills, and transfer money at any time. You can explore all the features by visiting https://www.golden1.com/. With our user-friendly mobile application, you can perform all these tasks right from your smartphone. Whether you're at home or on the go, your account is just a tap away. One of the standout features we provide is electronic signature authorization. This means you can sign documents securely without needing to print anything out saving you time and paper! Plus, with e-statements available, you'll receive your financial statements electronically, making it easier to keep track of your finances while reducing clutter. Need to send money to friends or family? Our person-to-person transfer feature lets you do just that quickly and easily. And if you're interested in mobile payments, we've got you covered there too! You can make purchases with just a touch of your phone for added convenience. Security is paramount in everything we do. We use advanced technology to protect your information and ensure that your transactions are safe. This commitment allows you to bank with confidence knowing that your data is secure. With all these options available at The Golden 1, managing your money has never been simpler or more accessible. Embrace the ease of online banking today and take charge of your financial future!

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 capacity to support your financial goals is reflected by our $122,383 in used auto loans and $14,251,111,689 in total loans and leases.

Operational Efficiency

Our $82,266,177 reflects our operational efficiency, 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 who are always ready to assist you with knowledgeable service.

Secure Savings Opportunities

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.

Solid Financial Foundation

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.

Strong Member Base

Total Share Accounts: 2,432,889, showing a strong and growing member base that trusts us with their finances. This trust allows us to thrive while focusing on your needs. 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 196 Nut Tree Pkwy Ste L Vacaville Ca 95687 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. We have already issued over $2,488,185,507 in used vehicle loans and $2,384,962,486 in new vehicle loans to help our members get on the road confidently. Our flexible financing options make it easy for you to choose the right terms that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand your business. We aim to support local enterprises by offering tailored solutions that cater specifically to their needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $633,013,903, making buying or refinancing simple. We provide competitive rates and personalized service to ensure you feel supported throughout the process.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options for any of our products, we're here to guide you through the process. Our team is dedicated to finding solutions that work best for your financial situation. You can reach us at 916-732-2900 or visit us at 196 Nut Tree Pkwy Ste L Vacaville Ca 95687 during our lobby hours: Monday - Friday from 10:00 AM - 5:00 PM and Saturday from 10:00 AM - 2:00 PM. 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 our loan offerings can empower your financial journey today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $605,216,049 in loans available, we help members manage their finances effectively without the burden of collateral. This can be an excellent option for unexpected expenses or large purchases.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. The information reflects the latest results, guaranteeing that users receive fair and transparent offers (Source: https://www.ncua.gov). By focusing on verified financial institutions, LendMesh maintains a level of credibility that users can trust.

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