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Equal Housing Opportunity NMLS #669333 ©2019 Golden 1 Credit Union Insured by NCUA.

golden1.com

CONTACT USGOLDEN 1 BRANCH LOCATIONSLocate a branch near you by visiting golden1.com/locator.

MEMBER SERVICE CONTACT CENTER1-877-GOLDEN 1 (1-877-465-3361)

Hours of Operation: Monday – Friday: 7:30 a.m. to 7:00 p.m. Saturday: 9:00 a.m. to 5:00 p.m. TDD (for the hearing impaired) (916) 363-7407

MAILING ADDRESS FOR NEW ACCOUNTS AND GENERAL INQUIRIES Golden 1 Credit Union P.O. Box 15966 Sacramento, CA 95852-0966

JOIN GOLDEN 1 CREDIT UNION

MEMBERSHIP HAS BIG BENEFITS.

At Golden 1 Credit Union, we’ve always embraced the philosophy of “people helping people,” from our humble beginning in 1933 to today as one of the nation’s largest credit unions.

As a not-for-profit cooperative, we return our earnings to members — not stockholders — through higher returns on savings, lower interest rates on loans, and more free services. We help honest, hard-working families and individuals lead financially better lives.

Now more than one million members strong, Golden 1 provides convenient and value-added products and services to help consumers make the most of their hard-earned money, including:

• A variety of savings and checking accounts, including free checking

• Low-rate loans including first mortgages, auto, home equity, personal loans, and credit cards

• Convenient and secure Mobile and Online Banking services, including the Golden 1 Mobile Banking app and Card Controls app

• Free access to more than 30,000 CO-OP Network ATMs, and 5,000 Shared Branches nationwide

• Free financial education workshops, podcasts, and webinars

We look forward to serving your financial needs and helping you reach your goals.

Sincerely,

Donna A. Bland President and CEO Member since 1994

MESSAGE FROM THE PRESIDENT/CEO

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LOANS AND LINES OF CREDIT

We offer easy ways to apply for low-rate auto loans, home loans, and personal loans. If you’re looking for a way to finance life’s big expenses, consider our Home Equity Line of Credit (HELOC).

NO ANNUAL FEE CREDIT CARDS

At Golden 1, we offer low-rate credit cards to help you buy the things you need and still manage your budget. Whether you love cash rewards or want to re-establish your credit history, we have the card for you! Plus, all of our cards offer no annual fees2 and no balance transfer fees2.

FINANCIAL EDUCATION

Chart your path to success with our Financial Education podcasts, webinars, and workshops. We offer a variety of topics to fit your needs. Visit golden1.com/financialwellness.

CHECKING AND SAVINGS ACCOUNTS

With our Free Checking account you’ll enjoy zero monthly maintenance fees and no minimum opening deposit. Our Premium CheckingSM Account lets you earn dividends when a minimum daily balance is maintained. If saving money is your goal, we have plenty of options to fit your lifestyle.

MOBILE AND ONLINE BANKING

Mobile and Online Banking1 allows you to access your accounts 24/7 to view your balances, pay bills, and transfer money between your Golden 1 accounts. We also offer two mobile apps.

With the Golden 1 Mobile Banking app, you can do everyday banking such as check balances and deposit checks into your account.

Use the Card Controls app to turn your debit or credit card off and on, and block or limit specific transactions.

PERSONALIZE YOUR BANKINGGolden 1 offers a full-range of products and services to help you tailor your banking experience to fit your needs. We offer free financial webinars, podcasts, and seminars to help keep your finances on track.

ALL CALIFORNIANS CAN JOIN

All Californians are eligible to become members of Golden 1 and get lower rates on loans, higher returns on savings, and more free services. Non-Californians may join by meeting one of the following criteria:

• Family member or registered domestic partner of a Golden 1 member

• Belong to one of nearly 1,000 Select Employee Groups

THREE EASY WAYS TO APPLY:1. Visit golden1.com

2. Call 1-877-GOLDEN 1 (1-877-465-3361)

3. Stop by any branch

Every Golden 1 member must open and maintain a Regular Savings Account, which requires a $1 minimum opening deposit and balance. This is required to maintain Golden 1 membership and to be eligible for our other products and services.

All third-party companies, products and service names are used for identification purposes only. All service marks, trademarks and registered trademarks are the property of their respective owners. 1Message and data rates may apply. Check with your mobile provider. 2Other fees apply. Cash advance either $5 or 2.5% of the amount of each cash advance, whichever is greater. Foreign transaction up to 1% of each transaction in U.S. dollars.

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