The Golden 1 Credit Union

Situated in the welcoming community of Goleta, The Golden 1 branch at 5676 Calle Real is your trusted financial partner dedicated to supporting your goals with personalized service. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays from 10:00 AM to 2:00 PM (note: no Saturday SBO), this convenient location offers essential ATM services for quick cash withdrawals and balance checks, making everyday banking effortless. Whether you're looking to finance your next vehicle with some of the best auto loans available or exploring low mortgage rates for buying or refinancing your home, the experienced Golden 1 team is here to guide you every step of the way.
Serving over 1.13 million members with assets nearing $20 billion, this Goleta branch provides a comprehensive suite of personal and business banking solutions tailored to fit 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 expert support whenever you need it. Plus, enjoy seamless online and mobile banking that keeps your finances accessible anytime.
Visit The Golden 1 branch at 5676 Calle Real in Goleta or call 916-732-2900 today. Experience neighborhood-focused service—contact us for personalized guidance and discover how our signature auto loans and mortgage products can help you achieve your financial dreams!

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 branch in Goleta, where we pride ourselves on being more than just a financial institution we're a cornerstone of the community. Established in 1933, our commitment to serving our members has only strengthened over the years. With over 1,132,440 members, we're dedicated to providing exceptional service and support to everyone who walks through our doors. Located at 5676 Calle Real, you can count on us for all your banking needs. While members can visit us at this address, official correspondence should be sent to the same location: 5676 Calle Real, Goleta, CA 93117. We offer a wide range of services including personal banking, auto loans, mortgages, and business loans all designed with your financial well-being in mind. At The Golden 1, we understand that trust is built through transparency and reliability. That's why our total assets reach an impressive $19,582,379,014, ensuring that your money is safe with us. Our total deposits stand at $777,140,260, reflecting the strong relationship we've built with our members. We also maintain a robust net worth of $2,041,864,607, along with $747,087,746 in cash readily available for your needs. Under the guidance of CEO Donna Bland and Board President Keri Thomas, our team of over 2,082 employees is here to assist you every step of the way. Whether you're looking to open a new account or explore loan options totaling over 485,183, we are committed to helping you achieve your financial goals. Don't hesitate to reach out! You can contact us at (916) 732-2900 or visit our website at www.golden1.com for more information about our services and how we can help you today. Your journey toward financial empowerment starts here!

Branch History & Mission

The Golden 1 Credit Union has a rich legacy in the heart of Goleta, California. Established in 1933, our branch has grown alongside our community, adapting to the changing needs of our members while remaining true to our founding mission: to provide exceptional financial services and support that empower individuals and families. Located at 5676 Calle Real, Goleta, CA 93117, our branch is easily accessible for all residents. Nearby landmarks include the bustling Calle Real shopping center, making it convenient for members to stop by while going about their daily activities. As we celebrate our history of over 90 years, we proudly serve over 1.1 million members with total assets exceeding $19.5 billion. At The Golden 1, we believe that banking should be more than just transactions; it should be about building relationships and fostering community growth. Our mission is to enhance the financial well-being of our members through personalized service and a variety of offerings including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We strive to make financial services accessible to everyone in our community. While members can visit us at 5676 Calle Real, official correspondence should be sent to the same address as there is no separate mailing location. We are proud to offer ATM availability for your convenience and remain committed to ensuring ADA compliance across all services. In addition to providing financial services, The Golden 1 actively participates in community outreach efforts. We partner with local organizations to support educational initiatives and charitable events aimed at improving the lives of those around us. Our commitment extends beyond banking; we aim to uplift our entire community through various programs and partnerships. Our dedicated team operates Monday through Friday from 10:00 AM to 5:00 PM, and on Saturdays from 10:00 AM to 2:00 PM. Although we do not have a drive-thru service, our friendly staff is always ready to assist you during lobby hours. Join us at The Golden 1 Credit Union in Goleta and experience the difference that a member-focused institution can make in your life. Whether you're looking for savings options or need help with financing your next vehicle, we're here for you every step of the way. Visit us today or check out our website at www.golden1.com to learn more about becoming a member!

Branch Location & Accessibility

Convenient Access and Amenities

When you visit us, you'll find ample parking available right outside our doors. Our location is designed with accessibility in mind, ensuring that everyone can navigate comfortably. Whether you're using a wheelchair or have any other mobility needs, we've got features like ramps to make your experience smooth. We are open Monday through Friday from 10:00 AM to 5:00 PM, and on Saturdays from 10:00 AM to 2:00 PM. While we don't have drive-thru service at this location, we do offer ATM services for quick cash withdrawals and balance checks. Feel free to swing by anytime during our operating hours; we're here to help!

Personalized Services Just for You

At The Golden 1, we pride ourselves on offering personalized banking services that cater to your unique financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you with a wide range of products. You can also take advantage of our online and mobile banking options for added convenience. While members can visit us at 5676 Calle Real for their banking needs, official correspondence should be sent to the same address. If you ever have questions or need assistance, don't hesitate to reach out at 916-732-2900. We look forward to welcoming you into our branch soon!

Member Eligibility

Becoming a member of The Golden 1 is like joining a family that truly cares about your financial well-being. We warmly welcome individuals who live, work, or worship in the communities we serve. If you're looking to benefit from personalized banking services and a supportive environment, you're in the right place! You can find all the details about our eligibility criteria by visiting http://www.golden1.com/membership-benefits, where we explain how easy it is to become part of our community. Once you're ready to take the next step, opening an account at The Golden 1 is straightforward and hassle-free. Simply check out our application page at http://www.golden1.com/apply-today for more information. If you have any questions or need assistance, feel free to give us a call at (916) 732-2900. We're here to help you start your journey with us at our branch located at 5676 Calle Real Goleta Ca 93117.

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

In addition to loans, we offer merchant services that simplify daily transactions. Picture this: you run a busy café, and customers want quick payment options. Our services allow you to accept various payment methods easily, enhancing customer satisfaction while keeping your operations smooth. Located at 5676 Calle Real Goleta Ca 93117, Goleta, CA 93117, we're here to help you thrive. Call us at (916) 732-2900 to explore how we can support your business's financial journey!

Comprehensive List Of Services

ATM Services

Need cash? Our ATM services provide easy access for withdrawals and balance checks whenever you need them. You can also enjoy basic ATM access at locations across the region. At The Golden 1, we strive to make banking not just a transaction but a relationship built on trust and support. Our friendly staff is always ready to assist you with any questions or guidance you may need. If you're ready to take the next step in your financial journey or want to learn more about how we can help you, give us a call at (916) 732-2900 or visit us at 5676 Calle Real Goleta Ca 93117. We look forward to serving you! Explore all our services today by visiting us online at https://www.golden1.com/!

Business Banking

If you're a business owner, The Golden 1 has got you covered too! We provide comprehensive business banking solutions including merchant services and business loans that can help your venture grow. We understand the unique challenges businesses face and are here to support you every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking options that allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills on the go, our digital platforms are user-friendly and secure.

Home Financing

For those looking to purchase a home or refinance an existing mortgage, we offer various mortgage loans designed to fit different budgets and needs. Our team is here to guide you through every step of the process, making it as smooth as possible.

Loans and Credit Options

Life can throw unexpected expenses your way. With our personal loans and debt consolidation services, you can manage those costs without stress. Plus, our credit cards come with rewards, giving you more value for your everyday purchases.

Personal Banking

Whether you're looking for a safe place to save or need an account that fits your lifestyle, our personal banking options include checking and savings accounts tailored just for you. If you're dreaming of a new car, consider our auto loans and vehicle financing, which can help turn that dream into reality with competitive rates.

Digital & Online Banking

Accessible Online Banking

With 24/7 online banking services available at https://www.golden1.com/, you can check your account balances, pay bills, and transfer money whenever it suits you. Our user-friendly interface allows you to navigate effortlessly, so whether you're at home or on the go, your finances are just a click away.

Mobile Banking Features

For those who prefer managing their accounts from their smartphones, our mobile application is here to help. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases has never been easier. Plus, e-statements are available for hassle-free access to your financial documents right from your device.

Real-Time Management

Enjoy real-time account management with all the tools necessary for budgeting and tracking expenses directly from our app or website. Whether you're looking to set up reminders for bill payments or simply want to monitor your spending habits, we've got you covered. In conclusion, The Golden 1 offers a complete suite of digital banking services tailored to fit your lifestyle. Experience the freedom of banking on your terms securely and conveniently!

Secure Transactions

Security is a top priority at The Golden 1. We offer electronic signature authorization, ensuring that your transactions are not only quick but also secure. You can trust that your personal information remains protected while you take care of your banking needs online.

Financial Strength

Commitment to Growth

Our success is reflected in our $1,920,233,614 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $122,383 in used auto loans and $14,251,111,689 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Trust

We have built strong relationships within our community, as shown by our impressive total of 2,432,889 share accounts. This growth highlights the trust members place in us for their financial 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 5676 Calle Real Goleta Ca 93117 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $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 who are dedicated to serving you with knowledge and commitment.

Secure Savings Options

Your savings are safe with us. We have $4,565,491,792 in share certificates and $3,862,119,266 in money market shares, providing stable and rewarding growth opportunities for your funds. Unlike traditional banks, we prioritize our members. With non-member deposits at $300,000,000, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

With a net worth of $2,041,864,607, we maintain robust 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.

Loan Offering

At The Golden 1, we understand that everyone has unique financial needs, and we're here to help you navigate your options. Whether you're considering buying a new car, purchasing your first home, or looking for a flexible credit solution, our diverse loan offerings have something for you. With over 485,183 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular; looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,488,185,507 in used vehicle loans and $2,384,962,486 in new vehicle loans already helping members get on the road. If homeownership is on your mind, check out our mortgage options. We provide Junior Lien 1-4 Family Residential Property loans totaling $633,013,903, making it simple to buy or refinance your home. We aim to support you every step of the way. For those who need quick access to funds, our unsecured credit card loans come with flexible terms. With a total of $605,216,049 in loans, many members have successfully managed their finances while enjoying the convenience of credit. For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand your operations. We recognize that every business has its own set of challenges, and we're dedicated to providing tailored solutions. As always, if you're considering refinancing or want to learn more about eligibility options for any of these products, feel free to reach out. You can contact us at (916) 732-2900 or visit us at our branch located at 5676 Calle Real Goleta Ca 93117 in Goleta, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At The Golden 1, we're committed to helping you find the right loan product that fits your lifestyle and budget.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users navigate the often complex lending landscape with ease and confidence. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified data means that users receive fair and transparent offers when comparing loans. One of the key benefits of using LendMesh is its emphasis on verified data. All loan offers come from legitimate financial institutions, which promotes transparency in the lending process. Additionally, there are no sponsored listings LendMesh does not prioritize lenders based on paid promotions. This approach guarantees that users receive unbiased results, allowing them to make informed decisions without outside influence. The platform also provides real-time rate comparisons from multiple institutions. This feature helps users stay updated with the latest loan rates, ensuring they can act quickly when they find a suitable offer. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the reliability and effectiveness of this comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.