Directory - 1st United

You're Never Too Young to Save for Retirement

When you're young, time is on your side. But retirement is not that far away even though it may seem like it now. In fact, the earlier you start saving for retirement, the easier it will be to hit your financial goals and the less of a drain it will be on your budget over your career.

Here's an example:

? Let's say John is 20. He starts saving for retirement this year and puts away $100 per month. If his savings earn 3% until he's 65, he'll have approximately $115,000.

? Now, Jane waits until she's 30 to begin investing. She puts away the same $100 per month and earns the same rate of return. At age 65, she has significantly less than John--approximately $75,000.

? Even if Jane contributed $150 per month, she still saves less than John, approximately $112,000, assuming the same rate of return. Even when he contributes less, John earns more than Jane because of the magic of compound interest and starting early.

If your employer matches 401(k) retirement contributions, be sure to contribute. When combined with the power of compound interest, joining your company's retirement plan is a no-brainer. Moderate and consistent investing is how smart investors help grow their retirement savings and plan for a comfortable retirement.

The take away is this: start early, contribute often and as much as you can afford.

Rahil Machiwalla Financial Advisor CUSO Financial Services, L.P.* CA Insurance Number: 0G20361 (925) 598-4718

*N on-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 guarantees 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.

Start Small, Earn Big

Helping our members establish good savings habits is what we do. And we think you shouldn't have to start big to earn big.

That's why we've lowered the minimum amount required to open and earn dividends on a certificate account.

Unlike other accounts in the marketplace, our certificates give you the tools to earn big, with features like: ? Low opening balance ? Start earning with as little as

$250 ($25 for youth). ? Guaranteed earnings ? Rates are typically higher

because of the fixed term. ? Anytime add-on ? Set up automatic transfers or direct

deposit to help savings grow effortlessly. ? Interest withdrawal ? Withdraw your interest penalty-

free at any time. ? Insured money ? Funds are protected by the National

Credit Union Administration (NCUA).

Start earning more today! Open an account online at or, if you prefer the personal touch, stop by any of our branches or call us at (800) 649-0193.

IMPORTANT NOTICE: Proxy Use

If you have appointed the Credit Union's Board to act as your representative by means of a current, unrevoked proxy, the proxy will be voted by the Board's authorized designee at member meetings on Director and Supervisory Committee elections, amendments to the bylaws and articles of incorporation, as well as such other proper business as may come before such meetings. Your proxy may be revoked by a subsequent proxy, or otherwise in writing. You may also withdraw your proxy from any meeting you attend in person.

Directory

Branches

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

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

Member Contact Center

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

Oakland ? Courthouse 1225 Fallon Street, Suite G14 ATM and Video Teller Only. Availability subject to County Courthouse building hours. ATM: M?F 8:45 am ? 4:45 pm Video Teller: 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

24-Hour Telephone Banking

(800) 649-0193 Includes: Automated account access Lost/Stolen Visa Visa credit/debit PIN by phone

Fall Update 2019

Oh Joy!

0% APR for 12 months

on purchases and balance transfers

with a 1st United Visa? Platinum credit card

Board of Directors

Howard T. "Bud" Garrigan Chairman

Dave Macdonald Vice Chairman

Steve Manning Secretary

Teresita M. Lauigan Treasurer

Veleta Allen Director

Cyril Bonanno Director

Susan Muranishi Director

Patrick O'Connell Director

Ron Thomsen Director

Supervisory Committee

Jack Sanders Chairman

Len Herrero Secretary

David Budde Crystal Graff Joan Johnson

Kevin Powers Richard Smith



Simpler. Faster. Friendlier.

Federally insured by NCUA

'Tis the Season for

Holiday Savings!

Open a new Visa? Platinum credit card and get

0% APR

for 12 months

Promo code:

OHJOY

The holidays are almost here and we've got a special deal you can cozy up to all season long. Open a new Visa Platinum credit card using promo code OHJOY and get 0% for 12 months on your purchases and balance transfers made through December 31, 2019. Let us help you kick up your slippers this holiday season with a low rate, no annual fee and no hidden fees.

Bundle up with rewards

Keep warm this season with our Visa Platinum Rewards credit card. Each dollar you spend earns you one point to redeem for airfare, hotel stays, brand name merchandise-- even cash. Better yet, we'll add 5,000 bonus points to your account after your first use.

Snug as a bug

It's easy to get started. Use the promotional code OHJOY on our online loan application or provide it to a member service representative. For more information or to apply online, visit ohjoy, call (800) 649-0193 or visit a nearby branch.

More Happy in Your Holidays:

Visa Platinum

? 0% APR for 12 months on purchases and balance transfers

? As low as 10.65% APR ? No annual fee ? One low rate for purchases,

balance transfers and cash advances ? Free FICO? Score

Visa Platinum Rewards

All of the benefits above, plus: ? As low as 11.65% APR ? Earn one rewards point for every dollar you spend ? 5,000 bonus points after first use

APR (Annual Percentage Rate) as of October 1, 2019 is 0% for 12 months on purchases and balance transfers made through December 31, 2019, then reverts to a variable rate tied to the Prime rate, currently 10.65%?20.65% for Visa Platinum and 11.65%?21.65% for Visa Platinum Rewards, is based on credit worthiness, and is subject to change. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in U.S. dollars. Loans are subject to credit approval. Cash advances, balance transfers and existing Visa Platinum upgrade balances do not qualify to earn points. Program is subject to Terms and Conditions. View our full Visa disclosure online at . FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Annual Meeting

Game. Set. Match.

Open a new youth membership with a new certificate and we'll match the first $50 deposited.

Level up

We get it. Kids are impossible to shop for. That's why we've done the work for you. Put them on the road to a bright financial future by teaching them how to earn more with a 1st United certificate account.

End game

Just think, if you open a $50 certificate and direct deposit $50 a month, your child will have more than $700 by next holiday season. That'll teach `em!

Open a new membership and certificate account by December 31, 2019 using promo code YOUTH50, deposit at least $50 and we'll do the rest. Learn more about certificates, youth accounts and Credit Union membership at .

Holiday Closures

We will be closed in observance of: Veterans Day ? Monday, November 11 Thanksgiving ? T hursday, November 28 &

Friday, November 29 Christmas Day ? W ednesday, December 25 New Year's Day ? Wednesday, January 1

Please join us at the 1st United Credit Union

88th Annual Meeting

February 18, 2020 ? 5:30 p.m. 5901 Gibraltar Drive, Pleasanton, CA 94588

An election will be held to fill Board of Directors and Supervisory Committee positions whose terms expire in 2020. Three (3) Board of Directors seats will become vacant in 2020. Each Board seat is a three-year term. Additionally, seven (7) Supervisory Committee seats will become vacant in 2020. Each Supervisory Committee seat is a one-year term.

Members of 1st United Credit Union who are 18 years of age and older are entitled to vote for, as well as run for, these elected offices. All requests for nomination for these seats must be postmarked prior to November 15, 2019.

Are you interested in becoming a Credit Union Volunteer?

The Credit Union is always looking for qualified candidates to serve on the Board of Directors and Supervisory Committee. If you are interested in becoming a candidate for election, nominations may be made in one of two ways:

1. By the Nominating Committee ? Members may apply by sending a letter along with a resume to the Nominating Committee, indicating what position you are interested in filling and why you feel you are a good candidate.

2. By Petition ? Members may be nominated by obtaining the signatures of at least 100 valid 1st United members on a nominating petition.

Please send your letter or petition to: Nominating Committee 1st United Credit Union 5901 Gibraltar Drive Pleasanton, CA 94588

Current Rates Visit rates

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