5901 Gibraltar Drive, Pleasanton, CA 94588 Simpler Checking

Kick off 2018 With Your Annual Investment Checkup

Your life is always changing ? that's why your financial plan should be dynamic. Whether it's your income, your children, or your job, each change is a good reminder to examine your investment strategy to determine if it still aligns with your long-term goals.

As the financial advisor through CUSO Financial Services, L.P.* (CFS) at 1st United Credit Union, I am scheduling appointments with members now to walk through their 2017 results and to discuss investment priorities for 2018. I'd be happy to meet with you, too. Call me at (925) 598-4718 or visit appointment to schedule an appointment to meet with me at any 1st United Credit Union branch.

I look forward to meeting with you.

Annual Meeting

Please join us at the 1st United Credit Union 86th Annual Meeting:

Corporate Headquarters 5901 Gibraltar Drive, Pleasanton, CA 94588 February 20, 2018, 5:30 p.m.

An election will be held to fill Board of Directors and Supervisory Committee positions whose terms expire in 2018.

The Nominating Committee of the Board of Directors recommends Veleta Allen, Ron Thomsen, and Susan Muranishi for the open Board of Directors positions, each to serve a three-year term. The Nominating Committee recommends Jack Sanders, Crystal Graff, Len Herrero, Richard Smith and Dave Budde for the open Supervisory Committee positions, each serving a one-year term.

We hope to see you there!

Rahil Machiwalla Financial Advisor

CUSO Financial Services, L.P.*

CA Insurance Number: 0G20361

(925) 598-4718

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/ SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to Credit Union members. Please consult a qualified tax advisor for specific tax advice.

Holiday Closures

We will be closed in observance of:

Martin Luther King Jr. Day Monday, January 15 Presidents' Day Monday, February 19

Directory

Alameda 2680 5th Street, Suite A M?F 9:00 am ? 5:00 pm Sat 9:00 am ? 1:00 pm

Berkeley 2175 Milvia Street M?F 9:00 am ? 5:00 pm Sat 9:00 am ? 1:00 pm Cash only available at ATM and Video Teller.

Castro Valley 3365 Castro Valley Boulevard M?F 9:00 am ? 5:00 pm Sat 9:00 am ? 1:00 pm

Fremont 2710 Mowry Avenue M?F 9:00 am ? 5:00 pm Sat 9:00 am ? 1:00 pm

Hayward 109 Review Way M?F 9:00 am ? 5:00 pm Cash only available at ATM.

Oakland - Courthouse ATM and Video Teller Only 1225 Fallon Street, Suite G14 Access dependent upon building hours. ATM Hours: M?F 8:45 am ? 4:45 pm Video Teller Hours: M?F 10:00 am ? 4:00 pm

Oakland - Rockridge 6300 College Avenue, Suite 110 In the Safeway Shopping Center M?F 9:00 am ? 5:00 pm Sat 9:00 am ? 1:00 pm

Pleasanton 5901 Gibraltar Drive M? F 9:00 am ? 5:00 pm

San Leandro 600 Bancroft Avenue M?F 9:00 am ? 5:00 pm Sat 9:00 am ? 1:00 pm Cash only available at ATM and Video Teller

Member Contact Center (800) 649-0193 M, T, Th, F 8:30 am ? 5:00 pm W 9:00 am ? 5:00 pm Sat 9:00 am ? 1:00 pm

Automated Telephone Banking (800) 404-3909

Lost/Stolen Visa (866) 570-1238

Visa Credit/Debit PIN by Phone (866) 762-0558



Winter Update 2018

Simpler Checking

Board of Directors

Howard T. "Bud" Garrigan Chairman

Directors Veleta Allen

Dave Macdonald Vice Chairman

Steve Manning Patrick O'Connell

Naomi Burns Secretary

Ron Thomsen

Teresita M. Lauigan Treasurer

Supervisory Committee

Jack Sanders Chairman

Len Herrero Secretary

Thomas Dean Crystal Graff Richard Smith

Open. Deposit. Swipe.

We'll give you $100



Simpler. Faster. Friendlier.

Simpler Checking ? plus $100

Simpler Account

At 1st United Credit Union, we believe managing your money doesn't have to be complicated.

That's why we've simplified our checking account and packed it full of "free"s and "no"s. Things like:

? No monthly fee ? No minimum balance requirement ? No direct deposit requirement ? Free FICO? Score ? Free online and mobile banking ? Free bill pay ? Free ATM access at 30,000 ATMs

Faster Account Opening

But we didn't stop there. We've made it faster to open your account, too ? online and in-branch.

Friendlier Banking

If you're ready to simplify, visit us online at or at any of our East Bay branches. Our friendly staff is ready to assist you.

We'll pay you $100. Open the account by March 31, 2018 using promo code GET100. Then set up direct deposit and use your debit card within sixty days of account opening. That's it.

For more information, visit us online at , stop by a branch, or call us at (800) 649-0193.

Offer not available to existing 1st United checking accounts. Checking account and debit card establishment are subject to credit approval. Members age 12-15 require an adult joint owner. $100 incentive: 1) open new checking account using promotional code GET100 by March 31, 2018; 2) establish a qualifying direct deposit of $500 or more within 60 days; 3) activate and use your debit card to make a purchase within 60 days. Offer expires March 31, 2018 and is subject to change or withdrawal at any time. Incentive will be credited by the 10th of the following month after all requirements are fulfilled, beginning April 10, 2018. For full details, visit checking100. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

We Couldn't Have Done It Without YOU!

$71 ,527 Donated to Alameda County

Community Food Bank through Homeruns for Hunger and other donation drives

12,692 Students who received financial

education in Alameda County schools

106 Education articles authored 20 Sponsored community events in 2017 5.5 Hours per employee who volunteered

in 2017

Volunteering at Alameda County Community Food Bank

Backpack and School Supply Drive for Alternative Family Services

Two-Day Car Sale

You're Invited!

Saturday, January 20, 2018

9:00 a.m. ? 5:00 p.m.

Sunday, January 21, 2018

10:00 a.m. ? 4:00 p.m.

Dublin Toyota 4321 Toyota Drive, Dublin, CA 94568

Find the Car That's Right for You!

Shop for the car and the loan at this exclusive two-day event. We've partnered with Dublin Toyota to bring members like you a huge selection of new and pre-owned vehicles. Better yet, make no payments for 60 days.

Stop by and test drive cars, trucks, SUVs, luxury sedans, and more.

Easy Financing

? As low as 2.74% up to 72 months ? As low as 3.24% up to 84 months ? No payments for 60 days ? Trade-ins welcome

It's Easy!

Get pre-approved before the sale by applying online at carsale or simply visit us at the sale to apply in person.

First 25 Guests Receive Free Squaw Valley Ski Passes, Just for Stopping By!*

Win Two Tickets to an Upcoming Golden State Warriors Game!**

APR (Annual Percentage Rate) as of January 1, 2018 and is subject to change. Lowest rate quoted. Your rate may vary based on age or value of vehicle, amount financed and terms and conditions. Minimum loan $5,000; proof of insurance required. Minimum income requirements apply. Loan cannot be used to refinance an existing 1st United Credit Union loan. Interest will continue to accrue during 60-day nopayment period. Loan payment example: $15.08 per month for each $1,000 borrowed at 2.74% APR for 72 months. Rate specials for January 20-21, 2018 car sale only. 1st United Credit Union membership required prior to loan funding. Membership is available to anyone who lives or works in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties.

*Only at Dublin Toyota. While Supplies Last. Available to the first 25 guests each day to visit the Dublin Toyota sales department during the 1st United Credit Union Sale on January 20-21, 2018. Total 50 ski passes available, limit two per household. No purchase necessary. **Only at Dublin Toyota. No purchase necessary. A purchase does not increase chances of winning. Odds of winning based on number of entrants. One winner will be chosen each day to receive two Warriors tickets valued at $250. Date of game to be announced. One winner chosen by end of business day January 20; one winner chosen by end of business day January 21. Limit one entry per customer, per day. Valid January 20-21, 2018. Participants enter drawing via 1st United Credit Union sale; ask dealer for details. Do not need to be present to win.

Current Rates Visit rates

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