Summer 2019

REWARD YOURSELF CHECKING

At Goldenwest, we strive to provide members with quality products and services that provide extraordinary value. It is this commitment that led us to create Reward Yourself Checking…a new account packed with benefits that help you earn more rewards points on Visa purchases plus save you money on and other services.

If your checking account is at another financial institution, consider the many advantages of switching to a Goldenwest Reward Yourself Checking account. Members who actively use their account will receive an additional 0.25% discount on auto, RV, and personal rates. And, there are other money-saving options such as cash, credits toward home appraisals and discounts on identity theft services. Kerry Wahlen President/CEO As a Reward Yourself Checking member, you will earn Extra Awards points at a higher rate on Visa credit and debit card purchases. What are you going to do with all of the additional points? Choose from flights, cruises, hotel stays, “bucket list” experiences, and more with our travel rebate program. If you’re looking to exchange points for goods and services, we have dozens of gift card options from major online shopping merchants and brick-and-mortar retailers.

Getting a Reward Yourself Checking account set up is quick and convenient with our new online account opening option at gwcu.org. Or, stop by any branch location where we can get your account open and instantly issue your Visa debit card in a matter of minutes! For members who want to convert their existing Goldenwest account to Reward Yourself Checking, simply call our Member Contact Center at 800-283-4550 for a quick account switch. You won’t even need to change your current account number!

Although the new Reward Yourself Checking is for personal accounts, we have not forgotten our business members. Look for a future announcement about checking options that will provide additional benefits and rewards for business owners and managers.

Our experts can assist you with a Reward Yourself Checking account, and any other financial product or service you need. We are offering special summer savings on construction loans, mortgages, and auto loans. Our Goldenwest Services agents provide significant savings on vehicle and homeowner policies. And our licensed Medicare agents are delivering timely information and options to members approaching age 65.

Thanks for giving us the opportunity to take care of you! Steve Carroll Dan Musgrave Stoney Wayment BOARD ELECTION RESULTS

Goldenwest Federal members, its third branch in St. George later this year and has plans employees, and volunteers joined together at the to build a branch in the Ogden Valley in the near future. All 83rd Annual Meeting on April 9th at Union Station presenters reported the Credit Union is well-positioned for in Ogden. The meeting included the presentation of continued growth and member service, and portrayed the the Annual Report and announced the results of the safety and soundness of the Credit Union. recent Board of Directors election. Chairman Hart announced the membership had re-elected Mr. During the meeting, the membership listened to reports Carroll, Mr. Musgrave, and Mr. Wayment to serve on the Board on the state of the Credit Union from Chairman Bill Hart, of Directors, each for a three-year term. President/CEO Kerry Wahlen, Supervisory Committee Following the Member Business Meeting, the Board of Chair Ron Gebhardt, and Governance Committee Chair Directors held a private session during which they elected Mr. Tad Neuenswander. Bill Hart as Chairman, Mr. Brandon Hendrickson as Vice-Chair, President Wahlen stated the Credit Union continues to and Ms. Jeanette Smyth as Secretary for the next 12 months. experience solid growth and production and will open GOLDENWEST NAMED BEST OF STATE

For the tenth time in 12 years, Goldenwest Credit Union was honored as the 2019 “Best of State” winner in the credit union category.

“Being named the credit union ‘Best of State’ winner for ten USE YOUR DEBIT CARD AND years demonstrates our commitment to excellence as an organization,” remarked EARN POINTS FASTER Kerry H. Wahlen, President/CEO. “This Did you know you can earn rewards points by using your and car rentals. Or, maybe you’re looking for merchandise. award is appropriately deserved by our loyal Goldenwest debit card? Extra Awards features a wide You can choose from online shopping merchants or brick- membership, dedicated Board of Directors, and variety of reward choices for simply using your debit card and-mortar retailers. Or, simply earn cash back. We have hard-working staff.” as you normally would- at gas stations, grocery stores, or that option too. even paying your bills. Winners of the “Best of State” Awards were Earn one point for every $4 spent on signature-based rated and judged on their impact on the Rewards points earned from purchases made with your transactions. Cashiers often ask if you are running your community; excellence and achievement debit card will now be combined with rewards points card as debit or credit. Select credit and use your signature within their industry; and, innovation and earned from your Goldenwest Rewards VISA credit rather than your 4-digit PIN. Choosing credit not only originality. Winners were recognized during card. Now you can earn rewards even faster (with the ensures you receive rewards points for your purchases, it the awards gala presentation in Salt Lake combination of these rewards points) to use for travel, also provides your purchases with more security. City on June 12, 2019. merchant gift cards or cash back. Quick access to view your rewards points is now available Extra Awards gives you the freedom to choose from a large in our mobile app. For more information and to sign up variety of travel-related services, including airlines, hotels, for Extra Awards go to gwcu.org/visa/rewards.

Goldenwest Information

Board of Directors gwcu.org Bill Hart, Chair Brandon Hendrickson, Vice Chair Jeanette Smyth, Secretary gwcu.mobi Tad Neuenswander Stoney Wayment Dan Musgrave 801-621-4550 or 800-283-4550 GOLDENWEST Steve Carroll Dave Adams EARNS A+ RATING Noé Vázquez youtube.com/goldenwestcu Goldenwest Credit Union was rated with an A+ for overall institution health by DepositAccounts.com for Supervisory Committee Follow CEO Kerry Wahlen the fifth consecutive year. Goldenwest was ranked Ron Gebhardt, Chair @goldenwestcuceo 41st out of the Top 200 credit unions across the nation. Financial institutions are graded on a number Noé Vázquez, Board Liaison of factors, including capitalization, deposit growth, Mike Liptrot @goldenwestcu and loan-to-reserve ratios to determine credit union Andy Blackburn ranking and recognition. Dan Stober “We believe it is important to give consumers a credible facebook.com/goldenwestcu way to evaluate the financial health of their institutions,” said Ken Tumin, founder of DepositAccounts.com. “Our list empowers consumers to make informed goldenwestcu decisions when selecting a financial institution.” Goldenwest Corporate Offices Kerry Wahlen, President/CEO of Goldenwest Credit 5025 Adams Ave, Ogden, UT 84403 Union, was pleased with another A+ rating, stating PO Box 1111, Ogden, UT 84402 gwcu.org/presidents-blog “it is an honor to have our Credit Union consistently recognized among the healthiest in the United States.” LET’S TALK MEDICARE

Medicare shouldn’t be scary. We are here to help retirement be July 16 | 5:30 PM what you always dreamed it to be: peaceful. Knowledge and action Daybreak Branch are key to make the transition to Medicare as seamless as possible. 3664 W South Jordan Pkwy, South Jordan One of the most important things you can do is to be mindful of your enrollment period. Enrollment periods are different based on whether you are aging in (turning 65) or retiring. The other thing July 18 | 5:30 PM you will want to understand is your own medical needs, such as USU Main Street Branch prescriptions and preferred doctors. 198 N Main, Logan

Nate Murdock and Sam Hart are Medicare experts with Goldenwest Insurance Services and each have years of experience working July 23 | 5:30 PM in the insurance sector. They want to see members in the best Corporate Branch possible position and will do whatever they can to see that happen. 5025 South Adams Ave, Ogden They will help you understand Medicare, stay on top of your enrollment period deadlines, and help you to get the right coverage Aug 20 | 5:30 PM for your needs. Corporate Branch 5025 South Adams Ave, Ogden For the past couple months, Nate and Sam have been educating members about Medicare through seminars held throughout the state. We are pleased to continue holding Medicare seminars on Aug 22 | 5:30 PM the following dates: USU Main Street Branch

198 N Main, Logan Nate Murdock Sam Hart 801-336-8371 801-786-8043 [email protected] [email protected]

USE YOUR VISA REWARDS CARD AND YOU COULD WIN A $1,000 SHOPPING SPREE!

It’s easy! Simply shop during the months of July and August using your Visa Rewards Credit Card. For every 20 qualifying transactions, you will earn an entry into a drawing for one of two $1,000 shopping sprees! The more you use your card, the more entries you will earn!

Goldenwest Insurance Services is excited to For more details visit: work with the number one provider of workers’ gwcu.org/visa/ compensation insurance in the State of Utah, rewardscreditcard WCF Insurance. This partnership makes it easier than ever to insure your business and your employees. Goldenwest Insurance Services works hard to get the best deal for your business. With the addition of WCF as part of our premier partners, we guarantee the ability to get your business quoted for workers’ compensation insurance no matter what industry you work in.

Contact Goldenwest Insurance Services at 888-853-8992 to speak with a local agent about WCF.

Insurance products offered by Goldenwest Insurance Services. Not insured by NCUA. Purchasing insurance products will not affect the extension of credit.