golden 1 credit union - folsom ranch

Folsom, CA

PROJECT OVERVIEW Reading Time: < 1 minute

Golden 1 Credit Union sets a new standard for branch adaptability with Element.

Golden 1 Credit Union, one of the largest credit unions in the U.S., set out to break away from traditional banking models and create a space that prioritized member engagement, flexibility, and community connection. Challenged by their CEO to rethink the member experience, Golden 1 partnered with The Element Group to bring this vision to life at their new Folsom Ranch branch in Folsom, California.

The goal was simple: move beyond a transactional model to design a space that fosters meaningful conversations, encourages community involvement, and serves as a scalable prototype for future branches.

CLIENT

  • Golden 1 Credit Union - Folsom Ranch

FINANCIAL INSTITUTION TYPE

  • Credit union branch

FEATURES

  • 1,710 sq. ft. flexible, multi-use space
  • Movable walls for adaptable layouts and community events
  • Quick-assist pod for fast, member-friendly transactions
  • Signature moss wall reflecting Folsom Lake
  • Large exterior LED signage for high visibility
  • Diverse seating areas, including soft seating and tech-enabled spaces
  • Warm wood finishes and modern environmental graphics
  • Natural light-enhancing design for an open, welcoming feel

DELIVERABLES

  • Environmental design
  • Interior furnishings
  • Construction services
  • Branding elements
  • Retail choreography training
  • Virtual reality experience for executive review
  • Scalable prototype for future branches

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Golden 1 Credit Union
Golden 1 Credit Union Golden 1 Credit Union Golden 1 Credit Union Golden 1 Credit Union

the challenge

Three core objectives guided the project:

  1. Redefine the member journey with a consultative-first approach.
  2. Design a flexible, multi-use space adaptable for community events and evolving needs.
  3. Create a strong brand presence that reflects Golden 1’s identity and future vision.

When their existing architect couldn’t meet their expectations, Golden 1 found Element through a Google search. Within weeks, Element was presenting fresh ideas directly to the executive team, quickly earning their trust to reimagine the Folsom Ranch branch.

Element approached the design with a retail mindset, focusing on member flow, engagement points, and the overall experience. The result? A bright, flexible, modern space that balances functionality with bold brand expression.

Golden 1 Credit Union
Golden 1 Credit Union

a modern, member-centric design

The new 1,710 sq. ft. branch was intentionally designed to feel open and adaptable, with new features promoting efficiency and community engagement. Flexible spaces with movable walls enable the branch to seamlessly transform for events or consultations. A quick-assist pod near the entrance supports fast transactions, while private offices offer space for more extensive financial discussions.

Brand identity was woven into the design — from the signature moss wall inspired by nearby Folsom Lake to the large LED signage that amplifies visibility within the community. Warm wood finishes, modern environmental graphics, and diverse seating options create a welcoming atmosphere tailored to various member needs.

To ensure staff could fully leverage the space, Element provided hands-on training in retail choreography — an approach that strategically plans staff and member movement to enhance engagement — teaching the team how to use the layout to create a more consultative, member-first experience.

The overall look and feel of the branch is terrific—everyone, up to and including the CEO, shares the same belief. This new branch prototype was very well received!
Amber Vagg
Director of Facilities and Corporate Services
Golden 1 Credit Union

Since opening in December 2024, the Folsom Ranch branch has outperformed expectations, serving as a flagship for Golden 1’s evolving retail strategy and paving the way for future branches and a wider brand rollout.