Kinecta Goleta CA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Kinecta, your trusted financial partner located at 145 Santa Felicia Dr, Goleta, CA 93117. Established in 1940, we have proudly served our community for over eight decades, building a reputation for reliability and member-focused service. With a total membership of 251,834 and assets exceeding $6.7 billion, we strive to create financial solutions tailored to meet your needs. At Kinecta, we believe that banking should be personal. Our dedicated team, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, is committed to ensuring that you feel valued every time you visit us or reach out for assistance. Whether you're looking for a checking account, auto loan, mortgage, or business financing options, we're here to help you achieve your financial goals. While members can visit us at our branch in Goleta, official correspondence should be sent to the same address: 145 Santa Felicia Dr, Goleta, CA 93117-2804. Feel free to contact us at (805) 968-1876 during our operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. With total deposits of $206 million and net worth reaching $551 million, we are well-equipped to support your financial journey. Our robust offerings include personal banking products like savings accounts and credit cards with rewards, as well as comprehensive business banking services. Plus, our convenient online and mobile banking features make managing your finances easier than ever. Join us at Kinecta today! Explore how we can assist you in realizing your financial dreams by visiting our website at www.kinecta.org or calling us directly. We look forward to serving you!

Branch History & Mission

At Kinecta, our journey began in 1940, rooted in a commitment to serve our members and the community of Goleta, CA. Over the decades, we have grown significantly, evolving into a trusted financial partner for more than 251,000 members. Our branch is located at 145 Santa Felicia Dr, right in the heart of Goleta, making it convenient for you to access our services. Kinecta started with a simple mission: to provide quality financial services while fostering a sense of community. This mission continues to drive us today as we strive to empower our members through innovative banking solutions and personalized service. With total assets exceeding $6.7 billion, we are proud to offer a wide range of products including checking and savings accounts, auto loans, mortgage options, and business banking solutions. Our dedication to enhancing member experience is reflected not only in the services we provide but also in our active role within the community. We partner with local organizations and participate in outreach efforts that support various causes and initiatives. These partnerships enable us to give back and make a real impact in the lives of those around us. In addition to traditional banking, we embrace digital advancements that make managing your finances easier than ever. Our online banking platform and mobile app allow you to perform transactions anytime, anywhere. With features like electronic signatures and person-to-person payments, we prioritize your convenience while maintaining security. While members can visit us at 145 Santa Felicia Dr Goleta Ca 93117, official correspondence should be sent to 145 Santa Felicia Dr, Goleta, CA 93117-2804 if different. Our branch operates Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. We also offer ATM availability for easy cash access. Join us at Kinecta as we continue this journey together. Experience the benefits of being part of a credit union that truly cares about its members and community. Together, let's build a brighter financial future! For more information or to become a member, call us at (805) 968-1876 or visit our website at kinecta.org.

Branch Location & Accessibility

Contact Us

If you have questions or need assistance before visiting, don't hesitate to give us a call at 805-968-1876. We look forward to welcoming you into our branch and helping you achieve your financial goals! Visit us today at Kinecta in Goleta your trusted partner in banking!

Convenient Access

At Kinecta, we prioritize accessibility. Our branch is designed to accommodate everyone, featuring ADA-compliant entrances and ample parking space. If you need assistance, our friendly staff is always ready to help. While members can visit us at 145 Santa Felicia Dr for all their banking needs, official correspondence should be sent to the same address for consistency.

Operating Hours

We know your time is valuable. That's why our lobby hours are crafted for your convenience: we're open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. We invite you to stop by during these hours for personalized service tailored to your financial goals.

Services Offered

Kinecta offers a variety of services designed with you in mind. From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we've got something for everyone. Additionally, if you're a member of a partner credit union, feel free to take advantage of our shared service center for basic transactions. And don't worry about cash; we have an ATM available for your convenience as well!

Member Eligibility

Becoming a member of Kinecta is like joining a welcoming family that prioritizes your financial well-being. If you live, work, or worship in the areas we serve, you're likely eligible to join us! We love supporting our community, and we believe everyone deserves access to friendly, personalized financial services. To learn more about the specific eligibility criteria and what it means to be part of our credit union family, please visit our detailed resource at https://kinecta.myori.com/app/oao/membership. Once you're ready to take the next step, opening an account is straightforward and hassle-free. You can easily start your journey by visiting our account opening page here: https://securebanking.kinecta.org/registration. If you have any questions along the way, don't hesitate to reach out at (805) 968-1876. We're excited to help you achieve your financial goals right here at Kinecta, located at 145 Santa Felicia Dr Goleta Ca 93117!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $415 in commercial loans for our members, helping businesses scale and succeed. With an outstanding commercial loan portfolio of $779,447,626, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Life Easier

Imagine running your store and having the ability to accept payments seamlessly. Our merchant services are designed to simplify transactions for your customers while giving you the tools you need to manage your cash flow effectively. Whether it's point-of-sale solutions or online payment options, we ensure that your business runs smoothly. Located at 145 Santa Felicia Dr, Goleta, CA 93117, we're ready to partner with you for your business's success. Whether you're a member or looking to join us, Kinecta is dedicated to providing the resources you need for growth. Let's build a thriving future together!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our business banking services include merchant services and business loans tailored specifically for you. We're committed to supporting local businesses in their growth journeys.

Convenient Access

We know convenience matters. That's why we also offer ATM and cash withdrawal services along with basic shared branch transactions like deposits and withdrawals for partner credit union members. Plus, our ATM network allows easy access to your funds whenever you need them. To learn more about how Kinecta can support your financial journey, give us a call at (805) 968-1876 or visit us at 145 Santa Felicia Dr Goleta Ca 93117 in Goleta today! Your financial wellbeing is just a step away!

Credit Cards with Rewards

Enhance your purchasing power with our credit cards that come with rewards! Every purchase can earn you points that may lead to exciting rewards or cashback making everyday spending more rewarding.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are designed to help make homeownership a reality for you. We understand that purchasing a house is one of life's biggest decisions, so we're here to simplify the process from start to finish.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. Imagine effortlessly keeping track of your expenses while earning interest on your savings this is the kind of financial comfort we aim to provide. With our online and mobile banking features, you can access your accounts anytime, anywhere, making it easier than ever to stay on top of your finances.

Personal Loans

Life can be unpredictable, which is why having access to personal loans and debt consolidation options can be invaluable. Whether it's an unexpected expense or an opportunity for investment, our flexible loan solutions can help ease financial stress.

Vehicle Financing

If you're in the market for a new car or truck, look no further! We offer competitive auto loans and vehicle financing options that can get you behind the wheel without breaking the bank. Our team will guide you through the loan process, ensuring that you find a plan that fits your budget and lifestyle.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization, which allows you to complete important transactions without the need for paper forms. This means less hassle for you and a more environmentally friendly approach! Plus, with e-statements available, you can easily access your account statements online no more waiting for the mail. If you're always on the go, our mobile application provides an easy way to manage your accounts right from your smartphone. From mobile payments to person-to-person transfers, everything is just a few taps away. You can even send money to friends or family quickly and securely without needing cash or checks.

Security and Ease of Use

At Kinecta, security is paramount. Our online banking platform uses advanced encryption technologies to keep your personal information safe. Additionally, all of our services are user-friendly, ensuring that you can navigate them with ease whether you're tech-savvy or just starting out. Managing your finances should be straightforward and accessible. That's why we've made it easy for you to stay on top of your money in real-time. Whether you need to pay a bill, check your balance, or transfer funds between accounts, we've got you covered. Join us at Kinecta today and experience the convenience of digital banking firsthand!

Financial Strength

Growing Member Trust

With a total of 464,147 share accounts, it's clear that more members are trusting us with their finances every day. This growth speaks volumes about the reliability of Kinecta, as we work diligently to build lasting relationships based on trust and service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kinecta is your trusted partner. Visit us at 145 Santa Felicia Dr Goleta Ca 93117 or call (805) 968-1876 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member-Centric Savings Options

Members' savings are secured through $1,929,331,277 in share certificates and $216,076,605 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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 673 full-time employees and 22 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Improvement

With $455,130,523 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is further reflected by the $19,331 in used auto loans and $5,730,695,616 in total loans and leases, supporting our members' financial goals across various sectors.

Solid Financial Health

With a net worth of $551,264,425, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $816 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 $335,164,766 in used vehicle loans and $355,441,941 in new vehicle loans already helping members get on the road. We provide competitive rates and flexible terms that can suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $779,447,626 provide the capital needed to grow and expand your business ventures. We know how crucial access to funds can be for sustaining and growing your enterprise. At Kinecta located at 145 Santa Felicia Dr Goleta Ca 93117, we also offer refinancing options for many of our loan products. If you're interested in exploring eligibility options or want more information about any of our services, feel free to reach out at 805-968-1876. 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 invite you to visit us and discover how our loan offerings can assist you in reaching your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you every step of the way.

Unsecured Credit Card Loans

Managing expenses can be challenging at times. That's why we offer flexible terms on unsecured credit card loans. With a total of $115,997,560 in loans helping members manage their finances effectively, you can enjoy peace of mind while making purchases or covering unexpected costs.

Loan Aggregator

Benefits of Using LendMesh

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Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Contact Us

Convenient Access

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

Merchant Services That Make Life Easier

Comprehensive List Of Services

Business Banking

Convenient Access

Credit Cards with Rewards

Home Financing

Personal Banking

Personal Loans

Vehicle Financing

Digital & Online Banking

Key Features

Security and Ease of Use

Financial Strength

Growing Member Trust

Member-Centric Savings Options

Operational Efficiency

Reinvestment for Improvement

Solid Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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