The Golden 1 Credit Union

Located in the heart of San Luis Obispo, The Golden 1 branch at 852 E Foothill Blvd is your friendly community partner for trusted financial solutions. Open Monday through Friday from 10:00 AM to 5:00 PM and Saturdays from 10:00 AM to 2:00 PM (no Saturday SBO services), this welcoming branch offers convenient ATM access for cash withdrawals and balance checks, making everyday banking effortless. Whether you’re ready to take advantage of some of the best auto loans tailored to fit your vehicle financing needs or exploring low mortgage rates for purchasing or refinancing your home, The Golden 1 team is here to provide expert guidance with a personal touch.
Serving over 1.13 million members and managing assets nearing $20 billion, this San Luis Obispo location delivers a full range of personal and business banking services designed around your unique 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 support whenever you need it. Plus, enjoy seamless online and mobile banking that keeps your finances accessible anytime.
Visit The Golden 1 branch at 852 E Foothill Blvd or call 916-732-2900 today. Experience community-focused service—contact us for personalized guidance and discover how our signature auto loans and mortgage products can help you reach 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, your trusted partner in financial growth and community support. Located at 852 E Foothill Blvd, San Luis Obispo, CA 93405, we are proud to have served our members since 1933. With a commitment to putting people first, we have grown to support over 1,132,440 members, helping them achieve their financial dreams through personalized banking solutions. At The Golden 1, we understand that each member's needs are unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking options. Our total assets stand at an impressive $19,582,379,014, reflecting our stability and dedication to our members. Our leadership team is here to guide you every step of the way. Under the direction of CEO Donna Bland and Board President Keri Thomas, we prioritize transparency and trustworthiness in all our interactions. We encourage you to reach out to us at (916) 732-2900 for any inquiries or assistance. While you can visit us at our branch location for your banking needs, please note that all official correspondence should be directed to the same address: 852 E Foothill Blvd, San Luis Obispo, CA 93405. With total deposits amounting to $777,140,260 and a net worth of $2,041,864,607, we are well-equipped to help you manage your finances effectively. Our team is dedicated not only to providing excellent service but also to making a positive impact in the communities we serve. Ready to take control of your financial future? Visit us online at The Golden 1 or stop by our branch today! We look forward to serving you!

Branch History & Mission

Welcome to The Golden 1, a cornerstone of financial service in San Luis Obispo, CA. Established in 1933, we have proudly served our community for nearly a century, growing alongside our members and adapting to meet their ever-changing needs. From humble beginnings, we have become a trusted partner for over 1.1 million members, offering a wide range of financial services designed to empower individuals and families. Located at 852 E Foothill Blvd, our branch is easily accessible and surrounded by the vibrant energy of San Luis Obispo. Whether you're visiting us for personal banking or seeking advice on loans and mortgages, you will find a welcoming atmosphere that reflects our commitment to community support. Our mission is simple yet profound: to provide exceptional financial services while uplifting the communities we serve. We believe that everyone deserves access to the tools and resources necessary for achieving their financial goals. This dedication has led us to grow our total assets to an impressive $19.58 billion, demonstrating our strength and stability in the financial landscape. At The Golden 1, we are not just about numbers; we are about people. Our team is committed to providing personalized service that makes banking easier and more efficient. We offer various products, including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. With ATM access available and hours from Monday to Friday between 10:00 AM and 5:00 PM (and Saturday from 10:00 AM to 2:00 PM), we strive to be there when you need us most. While members can visit us at 852 E Foothill Blvd, official correspondence should be sent to 852 E Foothill Blvd, San Luis Obispo, CA 93405 if needed. Our commitment extends beyond banking; it encompasses partnerships with local organizations aimed at improving lives in our community. From educational programs to charitable initiatives, we actively engage in outreach efforts that make a real impact. In this digital age, we've also embraced modern technology without losing sight of our roots. Our services include online banking options, mobile payments, e-statements, and more all designed with your convenience in mind. We invite you to join The Golden 1 family today! Experience firsthand how we can help you achieve your financial dreams while being part of a community-focused organization dedicated to your success. Visit us at The Golden 1 or call us at 916-732-2900 for more information on becoming a member!

Branch Location & Accessibility

Welcome to The Golden 1, your friendly neighborhood credit union located at 852 E Foothill Blvd in beautiful San Luis Obispo, CA. Nestled conveniently in the heart of the city, our branch is just a stone's throw away from local favorites like the bustling downtown area and the iconic San Luis Obispo Mission. Whether you're stopping by for personal banking or exploring loan options, our welcoming team is here to assist you. We understand that accessibility matters, which is why our branch features ADA-compliant entrances and ample parking for all members. While you can visit us at our branch address for any banking needs, please note that official correspondence should be sent to the same address: 852 E Foothill Blvd, San Luis Obispo, CA 93405. At The Golden 1, we prioritize your convenience with flexible operating hours. Our lobby is open from Monday to Friday between 10:00 AM and 5:00 PM, and we also welcome you on Saturdays from 10:00 AM to 2:00 PM for drive-thru services. Feel free to give us a call at 916-732-2900 if you have any questions or need assistance. For those on the go, we offer ATM services right here at our branch, so you can access your funds quickly and easily. While we don't have a drive-thru service available at this location, our friendly staff is always ready to help you inside. We invite you to come by and discover how The Golden 1 can support your financial journey. Whether you're looking for checking accounts, auto loans, or mortgage options, we're excited to serve you!

Member Eligibility

Joining The Golden 1 means becoming part of a caring and supportive community that prioritizes your financial well-being. If you're looking to become a member, it's easier than you might think! At The Golden 1, eligibility is open to individuals who live or work in the areas we serve, as well as their family members. This means that if you're a resident or an employee in our community, you can enjoy the many benefits we offer, from competitive loan rates to personalized service. For those interested in learning more about specific eligibility criteria, feel free to check out the details at http://www.golden1.com/membership-benefits. Opening an account is a straightforward process that welcomes you into our family. Simply visit us at 852 E Foothill Blvd San Luis Obispo Ca 93405 or give us a call at (916) 732-2900 for any questions. You can also start your application online by visiting http://www.golden1.com/apply-today. We're excited to help you on your financial journey and can't wait to welcome you as a valued member of The Golden 1!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine having a solution that allows your customers to pay easily, whether they're shopping online or in-store. Our merchant services ensure you can accept various payment types without hassle, letting you focus on what you do best running your business. Located at 852 E Foothill Blvd San Luis Obispo Ca 93405 in San Luis Obispo, CA, our team is ready to partner with you on your journey to success. For personalized assistance or inquiries, call us at (916) 732-2900 today!

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

ATM & Cash Withdrawal Services

Need cash quickly? We provide access to ATMs for easy cash withdrawals and balance checks. Whether you're at home or out and about in San Luis Obispo, getting cash has never been simpler. At The Golden 1, we believe in making banking not just accessible but also enjoyable. Our dedicated team is here to assist you with any questions or needs you may have regarding these services. Feel free to reach out at (916) 732-2900 or visit us at 852 E Foothill Blvd San Luis Obispo Ca 93405 in San Luis Obispo for more information. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about getting a new car? We offer competitive auto loans and vehicle financing options that can fit within your budget. With straightforward terms and low rates, you can drive off in your dream car without breaking the bank.

Business Banking Solutions

If you're an entrepreneur or business owner, our business banking services are tailored just for you. From merchant services that make transactions easy to business loans that fuel growth, we're here to support your success.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards come with rewards programs that let you earn points for every purchase. Whether it's cash back or travel rewards, there's something for everyone!

Mortgage Loans & Refinancing

If owning a home is on your list, The Golden 1 provides mortgage loans that guide you through every step of the home-buying process. And if you're already a homeowner looking to refinance, we have options that could lower your monthly payments or help you tap into your home's equity.

Online & Mobile Banking Convenience

In today's fast-paced world, managing finances on the go is essential. Our online and mobile banking platforms allow you to check balances, transfer funds, and pay bills anytime and anywhere. Plus, features like mobile payments and person-to-person transfers add even more convenience.

Personal Banking Services

Whether you're looking to open a checking or savings account, our personal banking services have got you covered. Imagine effortlessly managing your daily expenses with our checking accounts, designed for convenience and flexibility. For those planning for the future, our savings accounts offer great interest rates, helping your money grow over time.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, but with our personal loans, you can tackle those costs head-on. Our debt consolidation options are also designed to help simplify your financial life by combining multiple debts into one manageable payment.

Digital & Online Banking

Key Features

Security is a top priority for us at The Golden 1. We offer electronic signature authorization, allowing you to sign documents digitally with confidence. This not only speeds up transactions but also adds an extra layer of security to your banking experience. Do you enjoy using your smartphone for payments? Our mobile payments feature allows you to make quick and secure purchases right from your device. Plus, with our dedicated mobile application, managing your accounts has never been easier or more accessible. Need to send money to a friend or family member? With our person-to-person transfer option, sending cash is as simple as sending a text. And if questions arise outside of regular hours, remember that our 24/7 online banking services are always available for your convenience. Embrace the ease of modern banking with The Golden 1. Experience real-time account management and discover how our digital tools can help simplify your financial life today!

Financial Strength

A Solid Financial Base

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. This solid net worth is supported by our net worth ratio of $1,041, which demonstrates a robust capital foundation. It ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Trust Among Members

Total Share Accounts: 2,432,889, show a strong and growing member base that trusts us with their finances. This trust is built on transparency and consistent performance. 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 852 E Foothill Blvd San Luis Obispo Ca 93405 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.

Member-Centric Savings Options

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, our focus remains on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our impressive $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 committed to providing you with the best service possible.

Reinvestment in Member Services

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 lending capacity supports your financial goals with $122,383 in used auto loans and $14,251,111,689 in total loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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, we make it easier for you to drive away in the vehicle you need. Whether you're interested in financing a brand-new model or a reliable used car, our competitive rates can help save you money.

Business Loans

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand your business. We understand the unique challenges faced by small businesses and are here to support your entrepreneurial journey with tailored financing options. Whether you're considering refinancing or exploring eligibility options for any of our loan products, our team at The Golden 1, located at 852 E Foothill Blvd San Luis Obispo Ca 93405, San Luis Obispo, CA, is here to assist you. You can reach us at (916) 732-2900 during our operating hours from Monday to Friday, 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. At The Golden 1, we're dedicated to making finance accessible and straightforward for everyone in our community.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $633,013,903. We simplify the process of buying or refinancing your home, providing personalized assistance every step of the way. Homeownership is within reach with our tailored mortgage solutions.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $605,216,049 in loans available to help members balance their budgets and cover unexpected expenses. Our credit cards come with various benefits that make everyday spending easier and more rewarding.

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