The Golden 1 Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Stockton-Morada	4321 E Morada Ln, Stockton, CA 95212	View Lobby Hours
Roseville	1701 Santa Clara Dr Ste 120, Roseville, CA 95661	View Lobby Hours
Fresno Nees	2970 E Nees Ave, Fresno, CA 93720	View Lobby Hours
Oakland	111 Grand Ave Rm G300, Oakland, CA 94612	View Lobby Hours
Florin Towne Centre	6051 Florin Rd, Sacramento, CA 95823	View Lobby Hours
Paso Robles	128 Niblick Rd, Paso Robles, CA 93446	View Lobby Hours
Fairfield	1380 Holiday Ln Ste D, Fairfield, CA 94534	View Lobby Hours
Rancho Cordova	11099 Olson Dr Ste 3, Rancho Cordova, CA 95670	View Lobby Hours
North Natomas	3280 Arena Blvd Ste 710, Sacramento, CA 95834	View Lobby Hours
Redding	1040 E Cypress Ave Ste A, Redding, CA 96002	View Lobby Hours
Oakland/Harris	1495 Clay St, Oakland, CA 94612	View Lobby Hours
Sunrise	5901 Sunrise Blvd, Citrus Heights, CA 95610	View Lobby Hours
Point West Center	1301 Exposition Blvd, Sacramento, CA 95815	View Lobby Hours
SF Golden Gate	500 Golden Gate Ave, San Francisco, CA 94102	View Lobby Hours
Santa Barbara	5676 Calle Real, Goleta, CA 93117	View Lobby Hours
San Jose	185 Park Ave Ste 181, San Jose, CA 95113	View Lobby Hours
Roseville Pleasant Grove	741 Pleasant Grove Blvd Ste 100, Roseville, CA 95678	View Lobby Hours
UCSF	500 Parnassus Ave, San Francisco, CA 94143	View Lobby Hours
Stockton	850 W March Ln Ste A, Stockton, CA 95207	View Lobby Hours
Senator	1109 L St, Sacramento, CA 95814	View Lobby Hours
Promenade	7465 Rush River Dr Ste 110, Sacramento, CA 95831	View Lobby Hours
Yuba City	1282 Stabler Ln Ste 640, Yuba City, CA 95993	View Lobby Hours
Oakhurst	40044 Highway 49 Ste C2, Oakhurst, CA 93644	View Lobby Hours
Vallejo	766 Admiral Callaghan Ln, Vallejo, CA 94591	View Lobby Hours
Vacaville	196 Nut Tree Pkwy Ste L, Vacaville, CA 95687	View Lobby Hours
Midtown	2120 K St, Sacramento, CA 95816	View Lobby Hours
Fresno Shaw	111 E Shaw Ave, Fresno, CA 93710	View Lobby Hours
Ontario	2254 S Euclid Ave Ste A, Ontario, CA 91762	View Lobby Hours
Mack Road	4619 Mack Rd, Sacramento, CA 95823	View Lobby Hours
Med Center	2360 Stockton Blvd, Sacramento, CA 95817	View Lobby Hours
Gilroy	8379 Church St, Gilroy, CA 95020	View Lobby Hours
Napa	1150 Imola Ave, Napa, CA 94559	View Lobby Hours
Vineyard	8405 Elk Grove Florin Rd Ste 40, Elk Grove, CA 95624	View Lobby Hours
Woodland	1801 E Gibson Rd Ste D, Woodland, CA 95776	View Lobby Hours
Turlock	2450 Geer Rd, Turlock, CA 95382	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2059741	5.826%	5.750%	0.88	$2,659	$1,868	Learn More
NMLS ID: 399799	5.991%	5.875%	0.88	$4,179	$1,893	Learn More
NMLS ID: 401822	6.002%	5.875%	0.75	$4,395	$1,893	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.500 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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