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

Which Individual Retirement
Account (IRA) is Best for You?
You should consider a Traditional or
Roth Individual Retirement Account
(IRA), even if you already contribute
to an employer-sponsored retirement
plan. These accounts allow you to
save for specific retirement goals and
provide long-term, tax advantaged
savings opportunities to help you make
the most of your financial future¹.
A Traditional IRA
The Traditional IRA is an account
that allows qualified tax-deductible
contributions² and allows contributions
and earnings to grow tax deferred.
Traditional IRA Features:
• $25.00 minimum opening deposit for
12-month IRA certificate; $500 for all
other IRA certificate terms.
• Contributions may be tax-deductible.
• Tax-deferred dividends are
compounded monthly.
Roth IRA
The Roth IRA is an account that
features tax-free withdrawals of
earnings after a five-year holding period
and when certain requirements are
met³. Contributions are not
tax-deductible. Since the money you
contribute has already been taxed,
Holidays
All Golden 1 offices and the Member
Service Call Center will be closed:
• Monday, January 17
• Monday, February 21
you may make tax-free and IRS
penalty-free withdrawals at any
time. You may be able to invest
in a Roth IRA in addition to
any contributions you make
to your company-sponsored
retirement plan.
Roth IRA Features:
• $25.00 minimum opening
deposit for 12-month IRA
certificate; $500 for all other
IRA certificate terms.
• Distributions are not required.
• Dividends are compounded
monthly.
To open your Golden 1 IRA,
transfer funds from an IRA at
another financial institution,
roll over funds from an employer
retirement plan or make your
annual contribution, visit any
Golden 1 office, or contact
our Member Service Call
Center at (916) 732-2900 or
1-877-GOLDEN 1 (1-877-465-3361).
¹Consult your tax advisor to determine which
IRA plans are best suited for you. Golden 1
does not provide tax advice. ²At age 70 ½
contributions are no longer allowed to a
Traditional IRA. ³No age limits apply to Roth
IRA contributions.
Be Our Friend on Facebook
Help us succeed in our goal of getting
1,000 fans. To become a Golden 1 fan,
sign in to your Facebook account and
search for “The Golden 1 Credit Union.”
Click on the “Like” link. Or, text “like
golden1cu” to 32665. You may receive
a text message asking to verify your
Facebook Mobile account if you do so.
Direct Deposit
With Direct Deposit, your check
will be deposited into your account
automatically, no matter where you are
or what you’re doing! Direct Deposit is
the safe and easy way to automatically
deposit your paycheck into your
Golden 1 checking or savings account.
Benefits:
• Save Money—like many Golden 1
services, Direct Deposit is FREE!
• Save Time—no more waiting in lines
to deposit your paycheck.
• Convenience—your money is
deposited even if you’re away on
business or vacation.
Get Direct Deposit today!
Contact your employer’s payroll or
personnel office to find out if Direct
Deposit is available, and provide
them with the Golden 1 Routing
Number: 321175261. To learn more
about Golden 1 Direct Deposit, visit
golden1.com or give us a call.
©2011 The Golden 1 Credit Union
The information in this newsletter is
as current as possible; however, the
credit union reserves the right to add,
change or delete services, and all
rates, terms and conditions are subject
to change. Please contact the Member
Service Call Center or visit golden1.com
to verify current rates, terms and
conditions. This credit union is federally
insured by the National Credit Union
Administration. We reserve the right to
correct printing errors.
EQUAL HOUSING
LENDER
Better Banking. Proven Service. SM
golden1.com • (916) 732-2900 • 1-877-GOLDEN 1 (1-877-465-3361)