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New Car No Payment for 90 Days* - The Golden 1 Credit Union

New Car No Payment for 90 Days* - The Golden 1 Credit Union

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A G O L D E N 1 C R E D I T U N I O N P U B L I C A T I O N<br />

00077<strong>90</strong>1<br />

JANUARY<br />

2011<br />

Use Online Bill <strong>Payment</strong><br />

<strong>for</strong> a Chance to Win a<br />

$10,000 Shopping Spree<br />

Pay your bills* with <strong>Golden</strong> 1<br />

Online SM Bill <strong>Payment</strong> service now<br />

through January 31, 2011 and you<br />

could win a $10,000 <strong>New</strong> Year’s<br />

shopping spree!<br />

Make a payment today <strong>for</strong> your<br />

chance to win!<br />

• For every bill you pay with our<br />

online Bill <strong>Payment</strong> service, you<br />

will be entered to win.<br />

• One grand prize winner will<br />

receive $10,000.<br />

• Ten second place winners<br />

will receive a Visa® Gift <strong>Car</strong>d<br />

worth $100.<br />

Discover how convenient<br />

<strong>Golden</strong> 1 Online and Bill<br />

<strong>Payment</strong> service make paying<br />

your bills. To enroll or <strong>for</strong> more<br />

in<strong>for</strong>mation, visit golden1.com<br />

or call (916) 732-2<strong>90</strong>0 or<br />

1-877-GOLDEN 1 (1-877-465-3361).<br />

* NO PURCHASE OR PAYMENT<br />

OF ANY KIND IS NECESSARY<br />

TO ENTER OR WIN THIS<br />

SWEEPSTAKES. See the Official Rules at<br />

golden1.com or visit any <strong>Golden</strong> 1 office.<br />

<strong>New</strong> <strong>Car</strong><br />

<strong>No</strong> <strong>Payment</strong> <strong>for</strong><br />

<strong>90</strong> Days *<br />

For a limited time only,<br />

<strong>Golden</strong> 1 is offering deferred<br />

payments <strong>for</strong> <strong>90</strong> days when you<br />

buy any new or used car.<br />

With a <strong>Golden</strong> 1 auto loan, you can:<br />

• Finance up to 100% of your purchase (including tax and license).<br />

• Get pre-approved and bargain <strong>for</strong> the best deal.<br />

• Apply at any branch or online 24 hours a day, 7 days a week.<br />

• Ask about a discount on auto insurance.<br />

Get pre-approved today online or at any branch.<br />

* Available only <strong>for</strong> qualified borrowers. Deferment will occur in the first <strong>90</strong> days on new and used auto loan<br />

applications approved between <strong>No</strong>vember 1, 2010 and January 31, 2011. <strong>No</strong>t available to refinance an existing<br />

<strong>Golden</strong> 1 auto loan. Interest will accrue during the deferment period. <strong>Payment</strong> will not be required during the<br />

deferred period <strong>for</strong> the first <strong>90</strong> days. Collateral conditions apply.<br />

Did You Know?<br />

At <strong>Golden</strong> 1, we develop products<br />

<strong>for</strong> you and your life. Ring in the <strong>New</strong><br />

Year with these products and services<br />

designed with you in mind.<br />

• Free Checking: Unlike many banks,<br />

we still have it.<br />

• Free Online Services: Mobile and Text<br />

Banking*, Bill <strong>Payment</strong> service, Online<br />

Statements and online deposits too!<br />

• Auto Loans: Low rates and no<br />

application fees.<br />

• Convenience: 84 branches and<br />

28,000 free CO-OP ATMs.<br />

Want to know more?<br />

Visit golden1.com, or call us today!<br />

*Mobile carrier and text messaging fees may apply.<br />

golden1.com • (916) 732-2<strong>90</strong>0 • 1-877-GOLDEN 1 (1-877-465-3361)


<strong>No</strong>n-Visa Debit Transaction Processing<br />

We have enabled non-Visa debit transaction processing. This means you may use your<br />

ATM/Check <strong>Car</strong>d on a PIN-Debit Network* (a non-Visa network) without using a PIN.<br />

<strong>The</strong> non-Visa debit network(s) <strong>for</strong> which such transactions are enabled are: STAR Network.<br />

Examples of the types of actions that you may be required to make to initiate a Visa transaction<br />

on your ATM/Check <strong>Car</strong>d include signing a receipt, providing a card number over the phone or<br />

via the Internet, or swiping the card through a point-of-sale terminal.<br />

Examples of the types of actions you may be required to make to initiate a transaction on a<br />

PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone,<br />

Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to<br />

direct payment through that network, and having your identity verified using known in<strong>for</strong>mation<br />

derived from an existing relationship with you instead of through use of a PIN.<br />

Examples of the types of actions you may be required to make to initiate a transaction on the<br />

STAR Network include initiating a payment directly with the biller, possibly via telephone,<br />

Internet, or kiosk locations. STAR Network billers are required to display the STAR logo. STAR<br />

Network billers must also allow you to choose how your payment is directed. Thus, you could see<br />

the STAR logo and choose to direct your payment through the STAR Network. In addition, STAR<br />

Bill <strong>Payment</strong>s are not authenticated with a PIN; instead the biller authenticates your identity<br />

using known in<strong>for</strong>mation derived from an existing relationship with you.<br />

<strong>The</strong> provisions of your agreement with us relating only to Visa transactions are not applicable<br />

to non-Visa transactions. For example, the additional limits on liability (sometimes referred to<br />

as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa<br />

debit card transactions are not applicable to transactions processed on a PIN-Debit Network.<br />

* Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by<br />

use of a personal identification number (PIN) but that is not generally known <strong>for</strong> having a card program.<br />

© 2000 Wolters Kluwer Financial Services – Bankers Systems<br />

Important <strong>No</strong>tice:<br />

IRA Withholding<br />

If you are currently taking automatic withdrawals from your IRA account with<br />

<strong>Golden</strong> 1, we are required by federal law to notify you of your right to change<br />

your tax withholding election <strong>for</strong> your IRA distributions.<br />

You have the right to change your election at any time. <strong>The</strong> withholding election<br />

you previously made will continue to apply to future IRA distributions until you<br />

notify us in writing of a change.<br />

If you want to make a change to your federal and/or state tax withholding<br />

election, give us a call.<br />

Holiday Shopping is Easy<br />

with a Santa Saver SM Account<br />

<strong>The</strong> holidays have passed, the tree<br />

is down. Lights are disappearing all<br />

around. <strong>The</strong> gifts were many and the<br />

checking balance is low—open a Santa<br />

Saver Account today and watch your<br />

savings grow!<br />

Benefits:<br />

• <strong>No</strong> minimum balance required to earn<br />

dividends and dividends compound<br />

monthly<br />

• Funds will be transferred into your<br />

designated checking or savings<br />

account on <strong>No</strong>vember 1 and will<br />

renew each year<br />

• Use two convenient automated<br />

deposit options: payroll deduction or<br />

automatic transfer<br />

• Deposit just $20 to open or just $5 if<br />

you sign up <strong>for</strong> payroll deduction or<br />

automatic transfer<br />

Open your Santa Saver Account any<br />

time throughout the year and get<br />

a jump start on saving <strong>for</strong> the next<br />

holiday season!


Annual Meeting<br />

of <strong>The</strong> <strong>Golden</strong> 1<br />

<strong>Credit</strong> <strong>Union</strong><br />

<strong>The</strong> Annual Meeting of<br />

<strong>The</strong> <strong>Golden</strong> 1 <strong>Credit</strong> <strong>Union</strong><br />

will be held at the <strong>Golden</strong> 1<br />

Operations Center, 8945 Cal<br />

Center Drive, Sacramento, CA,<br />

at 5:30 p.m. on March 22, 2011.<br />

Elections<br />

Four members of the Board of<br />

Directors and two members of<br />

the Supervisory Committee will<br />

be elected at the Annual Meeting.<br />

<strong>No</strong>minees recommended by the<br />

<strong>No</strong>minating Committee are:<br />

Board of Directors<br />

P. Craig Cornett<br />

John R. Harrigan<br />

Manuel M. Mateo<br />

Thomas P. McCaffery<br />

Supervisory Committee<br />

Kevin Chan<br />

Michael Dendorfer<br />

<strong>The</strong> number of qualified<br />

individuals nominated <strong>for</strong> the<br />

Board or Supervisory Committee<br />

is not more than the number<br />

of positions to be elected. In<br />

accordance with our Bylaws, the<br />

Board of Directors may, without<br />

further action, declare that these<br />

nominees have been elected at<br />

the Annual Meeting.<br />

This procedure will be followed<br />

at the Annual Meeting on<br />

March 22, 2011.<br />

Get a Discount from Sprint<br />

Sprint Nextel is offering discounted<br />

rates to <strong>Golden</strong> 1 members on their<br />

wireless services. Through the Sprint<br />

Nextel <strong>Credit</strong> <strong>Union</strong> Discount, you<br />

can enjoy:<br />

• 10% off most regularly priced Sprint<br />

Nextel service plans<br />

• 15% off most corporate wireless plans<br />

• Waived activation fee on all new lines<br />

• Waived upgrade fee<br />

• Nationwide coast-to-coast coverage<br />

• National rates with no roaming and<br />

long distance charges<br />

• Existing Sprint Nextel customers can<br />

also save on their plan<br />

Proxy <strong>No</strong>tice<br />

This Proxy <strong>No</strong>tice is provided to<br />

all members of <strong>The</strong> <strong>Golden</strong> 1<br />

<strong>Credit</strong> <strong>Union</strong> (“<strong>Golden</strong> 1”) who have<br />

executed a Voting Proxy. <strong>No</strong>tice is<br />

hereby given that the nature of each<br />

matter or group of related matters<br />

on which the Voting Proxy may be<br />

voted by the Proxy Holder is<br />

as follows:<br />

1. Election of Directors;<br />

2. Election of Supervisory<br />

Committee members;<br />

3. Amendments of the Bylaws of<br />

<strong>Golden</strong> 1, except as prohibited<br />

by law;<br />

4. Any other matters which may<br />

properly arise at either the<br />

Annual Member Meeting or any<br />

special meeting of the members.<br />

<strong>No</strong>tice of such matters shall be<br />

provided to the member in the<br />

notice of such meeting.<br />

Call 1-877-SAVE-4-CU (1-877-728-3428)<br />

or visit SprintSave4CU.com and tell<br />

them you’re a credit union member.<br />

If you’re an existing Sprint customer,<br />

please visit: sprint-discount.com and<br />

under “Company/Organization Name”<br />

enter “<strong>Credit</strong> <strong>Union</strong> Member.”<br />

Sprint Nextel Services–preferential<br />

rates–savings <strong>for</strong> members. 10%<br />

discounts on most monthly recurring<br />

charges, waived activation fee on<br />

new lines and waived upgrade<br />

fee. Additional savings <strong>for</strong><br />

corporate accounts.<br />

Happy <strong>New</strong> Year<br />

<strong>The</strong> Board of Directors, Supervisory<br />

and <strong>Credit</strong> committees, and<br />

employees of <strong>The</strong> <strong>Golden</strong> 1<br />

<strong>Credit</strong> <strong>Union</strong> wish you and your<br />

family a peaceful and prosperous<br />

year in 2011.


Which Individual Retirement<br />

Account (IRA) is Best <strong>for</strong> You?<br />

You should consider a Traditional or<br />

Roth Individual Retirement Account<br />

(IRA), even if you already contribute<br />

to an employer-sponsored retirement<br />

plan. <strong>The</strong>se accounts allow you to<br />

save <strong>for</strong> specific retirement goals and<br />

provide long-term, tax advantaged<br />

savings opportunities to help you make<br />

the most of your financial future¹.<br />

A Traditional IRA<br />

<strong>The</strong> Traditional IRA is an account<br />

that allows qualified tax-deductible<br />

contributions² and allows contributions<br />

and earnings to grow tax deferred.<br />

Traditional IRA Features:<br />

• $25.00 minimum opening deposit <strong>for</strong><br />

12-month IRA certificate; $500 <strong>for</strong> all<br />

other IRA certificate terms.<br />

• Contributions may be tax-deductible.<br />

• Tax-deferred dividends are<br />

compounded monthly.<br />

Roth IRA<br />

<strong>The</strong> Roth IRA is an account that<br />

features tax-free withdrawals of<br />

earnings after a five-year holding period<br />

and when certain requirements are<br />

met³. Contributions are not<br />

tax-deductible. Since the money you<br />

contribute has already been taxed,<br />

Holidays<br />

All <strong>Golden</strong> 1 offices and the Member<br />

Service Call Center will be closed:<br />

• Monday, January 17<br />

• Monday, February 21<br />

you may make tax-free and IRS<br />

penalty-free withdrawals at any<br />

time. You may be able to invest<br />

in a Roth IRA in addition to<br />

any contributions you make<br />

to your company-sponsored<br />

retirement plan.<br />

Roth IRA Features:<br />

• $25.00 minimum opening<br />

deposit <strong>for</strong> 12-month IRA<br />

certificate; $500 <strong>for</strong> all other<br />

IRA certificate terms.<br />

• Distributions are not required.<br />

• Dividends are compounded<br />

monthly.<br />

To open your <strong>Golden</strong> 1 IRA,<br />

transfer funds from an IRA at<br />

another financial institution,<br />

roll over funds from an employer<br />

retirement plan or make your<br />

annual contribution, visit any<br />

<strong>Golden</strong> 1 office, or contact<br />

our Member Service Call<br />

Center at (916) 732-2<strong>90</strong>0 or<br />

1-877-GOLDEN 1 (1-877-465-3361).<br />

¹Consult your tax advisor to determine which<br />

IRA plans are best suited <strong>for</strong> you. <strong>Golden</strong> 1<br />

does not provide tax advice. ²At age 70 ½<br />

contributions are no longer allowed to a<br />

Traditional IRA. ³<strong>No</strong> age limits apply to Roth<br />

IRA contributions.<br />

Be Our Friend on Facebook<br />

Help us succeed in our goal of getting<br />

1,000 fans. To become a <strong>Golden</strong> 1 fan,<br />

sign in to your Facebook account and<br />

search <strong>for</strong> “<strong>The</strong> <strong>Golden</strong> 1 <strong>Credit</strong> <strong>Union</strong>.”<br />

Click on the “Like” link. Or, text “like<br />

golden1cu” to 32665. You may receive<br />

a text message asking to verify your<br />

Facebook Mobile account if you do so.<br />

Direct Deposit<br />

With Direct Deposit, your check<br />

will be deposited into your account<br />

automatically, no matter where you are<br />

or what you’re doing! Direct Deposit is<br />

the safe and easy way to automatically<br />

deposit your paycheck into your<br />

<strong>Golden</strong> 1 checking or savings account.<br />

Benefits:<br />

• Save Money—like many <strong>Golden</strong> 1<br />

services, Direct Deposit is FREE!<br />

• Save Time—no more waiting in lines<br />

to deposit your paycheck.<br />

• Convenience—your money is<br />

deposited even if you’re away on<br />

business or vacation.<br />

Get Direct Deposit today!<br />

Contact your employer’s payroll or<br />

personnel office to find out if Direct<br />

Deposit is available, and provide<br />

them with the <strong>Golden</strong> 1 Routing<br />

Number: 321175261. To learn more<br />

about <strong>Golden</strong> 1 Direct Deposit, visit<br />

golden1.com or give us a call.<br />

©2011 <strong>The</strong> <strong>Golden</strong> 1 <strong>Credit</strong> <strong>Union</strong><br />

<strong>The</strong> in<strong>for</strong>mation in this newsletter is<br />

as current as possible; however, the<br />

credit union reserves the right to add,<br />

change or delete services, and all<br />

rates, terms and conditions are subject<br />

to change. Please contact the Member<br />

Service Call Center or visit golden1.com<br />

to verify current rates, terms and<br />

conditions. This credit union is federally<br />

insured by the National <strong>Credit</strong> <strong>Union</strong><br />

Administration. We reserve the right to<br />

correct printing errors.<br />

EQUAL HOUSING<br />

LENDER<br />

Better Banking. Proven Service. SM<br />

golden1.com • (916) 732-2<strong>90</strong>0 • 1-877-GOLDEN 1 (1-877-465-3361)

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