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Golden Valley

409 W Center St, Manteca, CA 95336
NCUA Insured3.3 (36 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

409 W Center St

Manteca, CA 95336

Service Area

This credit union is located in Manteca and serves members in the CA area. Currently serving 3,298 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.80%

Used Auto Loan

6.51%

Personal Loan

15.32%

Credit Card APR

13.20%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.3

36 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
jonny anderson

jonny anderson

7 months ago

Been with this bank for about two years now and the loan officer zenny is really not helpful. Every time i have communicated with her she has always been disrespectful and condescending to me and to my family with their personal experiences as well. I am debating whether i should file a complaint with the labor board because ive noticed there has been a alot moments where she has discriminated against me and ive noticed it everytime ive came in to apply for services or whenever i apply for certain funding. Just be careful when it comes to applying as well because she ran my credit into the ground with hard inquiries after i requested a soft pull and she picks and chooses who she wants to approve not going off any credit model. She has talked to me filthy numerous times over the phone and even yelled at me one time when i came in the branch. I hope nobody else goes through this. Please beware.

P S

P S

a year ago

I’ve been getting loans through this bank for at least about 10 years. I banked with some one else then switched back because they have good rates. The thing is that they are EXTREMELY hard to communicate with unless you physically go into the bank. I work the same hours they are open. You have better luck getting Santa himself on the phone than this bank to answer. Funny too because they’re NEVERRRR busy. Never a line. Apparently they just need training in reception.. Anyways like I said, good rates but awful customer service. Will no longer be referring people here either due to the lack of communication.

B Singh

B Singh

10 months ago

Best People and Best Rates In auto loans. I baught my first car With this bank on low interest and new credit .They are awesome peple..

Carlos Espino

Carlos Espino

2 years ago

My experience with Golden Valley Credit Union regarding my auto loan payoff has been frustrating and disappointing. Despite paying off my loan on 3/20, I was assured that I would receive my title from the DMV shortly thereafter. However, after waiting over a month with no title in hand, I reached out to the credit union for assistance. Upon contacting them, I spoke with Eva, who initially seemed helpful but eventually left me on hold for over 10 minutes before the call went to voicemail. After calling again, I spoke with Zennie, who explained that there's a 14-day hold period after loan payout, which I understood. However, it had been over 30 days at that point. Zennie then provided an excuse about a supposed hold on the title due to a kickback in their system, which only surfaced after I called to inquire. When I asked to speak to a manager, Justin, the floor manager, essentially washed his hands of the issue, stating it was out of their hands and could take the DMV 14-50 days to resolve. This lack of accountability and transparency is unacceptable. As a customer who has fulfilled their financial obligation, the delay in receiving my title is frustrating and inconvenient. Golden Valley Credit Union needs to improve their communication and take proactive steps to resolve issues promptly instead of leaving customers in the dark.

Veronica Carion

Veronica Carion

2 years ago

Hal @ Golden Valley Credit Union has always went above and beyond assisting/ guiding my Family with all our banking needs. Hal is the reason we are members and highly recommend working with Hal. Hal will be honest… so if you can’t handle his honesty stick with your current bank.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).