Enhanced Products & Services Guide

Enhanced Products & Services Guide Built to put you on the path to financial freedom and security.

We're here to answer your questions: [email protected] 1 CONTENTS YOUR ENHANCED BANKING EXPERIENCE

1 Branch Locations Los Angeles 2 30,000+ San Diego 3 Fee-Free ATMs 2 Welcome Our Story 4 A Merger of Equals 6 Digital Banking Your Credit Union Family 7 3 Frequently Asked Questions About Our Branches & Access 8 About Your Accounts 9 About Our Services Saturday Banking 10 4 Products and Services Introduction 11 Checking Accounts 12 24-hour Automated Savings Accounts 13 Telephone Money Market Accounts 13 Overdraft Services 14 Digital Services 15 Loans & Lines of Credit 16 Mobile Banking Share & IRA Certificates 18 Educators 19 Credit Cards 20 Business Banking 21 School Business Banking 21 24 Branches Additional Services 21

CONTACT INFORMATION

BRANCH HOURS CONTACT CENTER HOURS

Monday – Thursday: 9:00am – 5:00pm Monday – Friday: 7:00am – 7:00pm Friday: 9:00am – 6:00pm Saturday: 9:00am – 2:00pm Saturday: 9:00am – 2:00pm GENERAL CORRESPONDENCE CONTACT CENTER/TELEPHONE BANKING P.O. Box 29100 Toll-free Telephone Numbers Glendale, CA 91209-9100 San Diego (800) 848-5654 Los Angeles (800) 334-8788 CORPORATE HEADQUARTERS Outside US Telephone Numbers San Diego Headquarters San Diego (858) 769-7600 5898 Copley Drive, San Diego, CA 92111 Los Angeles (909) 941-1398 Glendale Headquarters 701 North Brand Boulevard, Glendale, CA 91203 ESCONDIDO

VALENCIA 01 branches list 5 ENCINITAS

SOLANA BEACH

5 210 Los Angeles 56 NORTH HILLS POWAY 405

15 SCRIPPS-POWAY MIRA MESA

THOUSAND OAKS NORTH HOLLYWOOD PASADENA 805 101 134 GLENDALE PASADENA 8 110 52 LAKESIDE 101 COVINA LA JOLLA KEARNY MESA 10 WEST LOS ANGELES LOS ANGELES SPECTRUM ROSENELL BEAUDRY 10 TERRACE EL CAJON SANTA MONICA 163 8 605 60 LA MESA

94 INGLEWOOD 110 5TH & LAUREL 125 DOWNEY SAN DIEGO NORTH ISLAND 710 5 NAVAL AIR STATION NATIONAL CITY 91

CHULA VISTA TORRANCE ANAHEIM CHULA VISTA EAST CARSON SOUTH BAY 405

LONG BEACH

IMPERIAL BEACH

MEXICO IRVINE

LOS ANGELES AREA BRANCH LOCATIONS

Beaudry Inglewood Torrance 333 S. Beaudry Avenue 3550 W. Century Boulevard 20016 Hawthorne Boulevard Suite 215 Inglewood, CA 90303 Torrance, CA 90503 Los Angeles, CA 90017 North Hills Valencia Carson 9026 Woodley Avenue 24343 Magic Mountain Parkway 633 E. University Drive, Suite A North Hills, CA 91343 Santa Clarita, CA 91355 Carson, CA 90746 North Hollywood West Los Angeles Covina 11331 Camarillo Street, 10431 Santa Monica Boulevard 800 S. Barranca Avenue, Suite 110 Suite B Los Angeles, CA 90025 Covina, CA 91723 North Hollywood, CA 91602

Downey Pasadena 9300 E. Imperial Highway 527 S. Lake Avenue Downey, CA 90242 Suite 100 Pasadena, CA 91101 Visit californiacu.org/branches Glendale for branch hours and fee-free ATMs 701 N. Brand Boulevard Rosenell Terrace Glendale, CA 91203 420 N. Rosenell Terrace Los Angeles, CA 90026

2 ESCONDIDO

VALENCIA

5 ENCINITAS

SOLANA BEACH

5 210 San Diego 56 NORTH HILLS POWAY 405

15 SCRIPPS-POWAY MIRA MESA

94 INGLEWOOD 110 5TH & LAUREL 125 DOWNEY SAN DIEGO NORTH ISLAND 710 5 NAVAL AIR STATION NATIONAL CITY 91

CHULA VISTA TORRANCE ANAHEIM CHULA VISTA EAST CARSON SOUTH BAY 405

LONG BEACH

IMPERIAL BEACH

MEXICO IRVINE

SAN DIEGO AREA BRANCH LOCATIONS

5th & Laurel Kearny Mesa Spectrum South Bay 2550 Fifth Avenue, Suite 100 9119 Clairemont Mesa Boulevard 45 N. Broadway San Diego, CA 92103 San Diego, CA 92123 Chula Vista, CA 91910

Chula Vista East La Mesa 884 Eastlake Parkway, Suite 1615 7968 El Cajon Boulevard Chula Vista, CA 91915 La Mesa, CA 91942

El Cajon Mira Mesa Visit northislandcu.com/branches 301 N. Magnolia, Suite 102 9420 Mira Mesa Boulevard for branch hours and fee-free ATMs El Cajon, CA 92020 San Diego, CA 92126

Encinitas North Island Naval Air Station 288 N. El Camino Real, Suite B Naval Air Base, Building 318 Encinitas, CA 92024 San Diego, CA 92135

Imperial Beach Scripps-Poway 1101 Palm Avenue 10549 Scripps Poway Parkway Imperial Beach, CA 91932 San Diego, CA 92131

3 02 welcome

OUR STORY

In 1931, California Credit Union was born out of a need to provide reliable, rewarding, and convenient financial services to teachers and others in the education community. Almost a decade later, North Island Credit Union made a name for itself by providing banking resources to military and civil service personnel.

To provide even greater opportunities to Californians throughout the state, California Credit Union and North Island Credit Union have joined forces. Creating a true partnership for the future, California Credit Union connects our longstanding focus on education, with our roots in the local community, to our proud ties to the military. We want to thank our members for their support and the opportunity to serve you better.

03 welcome

A MERGER OF EQUALS

The merger of California Credit Union and North Island Credit Union was initiated to ensure that we continue to deliver the value, service, and convenience you expect from your credit union.

As a larger entity, we now have the added resources necessary to continue to improve your banking experience with the latest online and mobile technologies, new products and services to meet all of your financial needs, and highly competitive rates. Whether you bank at our California Credit Union or North Island branches, or you prefer to conduct your banking online, we are positive you will experience the best possible member service, pricing, and convenience from the same friendly staff that serve you today.

WHAT TO EXPECT

A Name You Can Trust. Personalized Service. More Access.

We will retain the California Credit Culturally, we’ll continue with our Members will have access to their Union name in LA County and the shared values of personalized accounts through 24 branches North Island Credit Union name in service to our members and with Saturday banking, 30,000+ San Diego County, and maintain commitment to the communities fee-free ATMs, and 24-hour dual headquarters in Glendale and in which we serve. automated telephone, digital, and San Diego, California. mobile banking.

6 YOUR CREDIT UNION FAMILY

California Credit Union and North Island Credit Union are part of a larger credit union family. Starting May 15, 2017, members from both credit unions are welcome to visit all branch locations and will have full access to our products and services.

WHAT TO LOOK FOR

A Combined Experience.

Digital and mobile banking, as well as some corporate notifications, will reference the California Credit Union wordmark to provide a consistent experience for all members.

7 03 frequently asked questions

Your banking experience will largely remain the same after the merger, with the same branches, Digital Banking, Contact Center, and CO-OP Network you may be using today. Please review the information below for answers to questions you may have about your credit union access, accounts, and services.

ABOUT OUR BRANCHES & ACCESS

Will all California Credit Union and North Island branches remain open? Yes, all branches will remain open. Branch hours will remain the same as they are today.

Where are the branches located? For a complete list of our branches throughout San Diego County and LA County, see the map on pages 2 and 3.

Can I use any of the branches and ATMs? Will I still have access to the CO-OP Network? Starting on May 15, 2017, you’ll be able to visit any of our 24 branches throughout Southern California. You will also continue to have access to our CO-OP ATM Network of over 30,000 ATMs.

Will Call Center hours remain the same? One of the advantages of the merger is that we can enhance our member service. Starting May 15, 2017, we will extend our Call Center hours to 7:00am – 7:00pm to better serve members.

Will the telephone number remain the same? Our telephone numbers will remain the same. Please continue to use the phone numbers you currently utilize to contact your credit union.

Will staff emails change? You can continue to contact staff at the email(s) you currently use.

Who do I contact if I have additional questions? We’re here to answer your questions! Please contact us (800) 334-8788 if you have additional questions.

8 ABOUT YOUR ACCOUNTS

Will my accounts continue to be insured? Your accounts will continue to be federally insured just as they are today, through the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the U.S. Government and managed by the National Credit Union Administration (NCUA).

Are there changes to my member and/or account numbers? The vast majority of member and/or account numbers will not be impacted.

Can I use my existing checks? Yes. Most members may continue to use existing checks until they run out and are re-ordered. A small number of members may be given new checks.

Will my routing number change? The routing number for California Credit Union members remains 322078464. The routing number for North Island members remains 322281468. Members with automated payments, direct deposit, or other electronic transfers that use these routing numbers should not have to make any updates.

I already have direct deposit set up, do I need to change anything? No. Your direct deposit will continue to work without interruption.

Where do I send deposits and loan payments? Will the current address change? You should continue sending your deposits and loan payments to the address you currently use. Deposit and loan payment addresses can be found on our website, search for “Contact Us.”

Will interest rates on my loan change? Your loan interest rates will remain the same as stated on the loan agreement.

I have long-term share certificates. Will my current rates and terms be honored after the merger? All rates and terms on share certificates that you have established with California Credit Union and North Island will be honored.

9 03 frequently asked questions

ABOUT OUR SERVICES

Will my Digital Banking change? Will my username and password still work? Your Digital Banking will remain the same as it is today. Most users will keep their current username and/or password. Some users may be prompted to update their username to comply with enhanced security measures.

I use the mobile banking app. Should I be aware of any changes?

Yes. Starting May 15, 2017, we will offer one app for our combined organization. This will result in an UPDATE for North Island app users. CCU users will have to DOWNLOAD the new app. Search for CCU “CCU Mobile Banking” in the app store and look for the new icon.

Will the website address change? You should continue to use our current website address.

Will my ACH deductions/credits to or from other financial institutions transfer without interruption or will I have to set them up again? All existing ACH deductions/credits will continue to be processed without interruption. You won’t need to set them up again.

I have set up transfers between my accounts. Will that continue without interruption? Yes, any transfers you have set up between your accounts will continue as scheduled.

Do I need to reset all of my Bill Pay accounts? No. Your existing Bill Pay accounts will be automatically transferred when we integrate our credit union systems and you will not need to restore your Bill Pay accounts.

Will my debit/credit card numbers change? Will I receive new cards? Your debit/credit card numbers will remain as shown on your current card(s). New card numbers will only be re-issued when the existing card expires or must be replaced due to loss or theft.

Will my credit card limit be affected or change? Your credit card limit will remain the same as it is today.

Will there be any changes to my account notices and statements? North Island members will see a new logo on their notices and statements as “North Island Credit Union, a division of California Credit Union." California Credit Union members will receive separate statements for their loan and deposit accounts (they will no longer be combined on one statement). Additionally, California Credit Union members will see a newly-designed color statement with all of the vital account and transaction information included.

10 04 products and services

We are excited to share our integrated list of products and services on the following pages, all of which will be available beginning May 15, 2017. As a member-focused credit union, every change or addition has been made with you in mind, from special share certificates and low auto loan rates to our extended branch locations and Saturday hours.

We’ll also continue to provide our members with the very best in personal service and an enhanced banking experience by introducing innovative products, services and useful technology. As always, our long-standing commitment to our communities will remain, as will our dedication to serving the needs of our members in education, the military and beyond.

11 04 products and services

Checking Accounts

Manage your daily finances with a checking account that has multiple benefits, 24/7 access, and 30,000+ surcharge-free1 ATM locations.

TYPE KEY FEATURES

• No monthly statement fee with eStatements,2 • Mobile banking with mobile deposit Personal no minimum deposit and bill pay • Overdraft Protection available3 • Earn dividends, minimums apply4

• Fee-free—no monthly statement fees • Overdraft Protection3 eChecking5 • Debit card included

• For students age 13–25 years old • Debit card included Student • Fee-free—no monthly maintenance fees • No minimum deposit or minimum balance

• For people who have high-deductible health • Receive dividends each month as a reward plans (HDHPs) who want to pay for and save for keeping money in your account for health expenses on a tax-free basis • Easily transfer money into your account HSA Checking + HSA Savings6 • $50 minimum opening deposit using Digital Banking • Dividends paid with minimum $50 balance

Direct Deposit

Have your payroll or government check deposited directly into your checking, savings, or money market accounts. Sign up for Direct Deposit with your employer.

Visa® Debit Card

Your debit card can be used anywhere Visa is accepted whether in a store or online. Make withdrawals, transfers, and balance inquiries at millions of ATMs worldwide, with greater ease than cash or checks. ATM cards are also available to members.

Pay Cards

Use your Pay Card for purchases anywhere that Visa debit cards are accepted, including online transactions. Pay Cards are reusable debit cards that automatically load your paycheck each payday. Exclusive to school employees.

12 Savings Accounts

To meet your specific savings needs, we offer a range of savings products that vary in dividend rates, ease of access, and balance levels.

TYPE KEY FEATURES

• Dividends earned when $100 minimum • Up to six electronic (non-branch) withdrawls balance is maintained1 per calendar month2 Share Savings • Unlimited free in-branch and ATM • Use as overdraft protection for your withdrawals2 personal checking account3

• Establish saving habits from an early age • No fee for using non-CO-OP Network ATMs2

Student Savings • Dividends earned with no minimum • Unlimited free in-branch and ATM withdrawals • No monthly statement fee

• Dividends earned when $100 minimum • Withdrawal available at any time2 balance is maintained1 Summer Savings • Disbursed in July • Make monthly payroll or direct deposits

• Traditional or Roth IRA • Easily transfer money into your account IRA Savings using Digital Banking4 • Dividends paid with minimum $50 balance

Money Market Accounts

If you have a larger amount of money to invest, consider a Money Market account. Earn higher interest than a Share Savings Account and get access to your funds at any time without penalty.

TYPE KEY FEATURES

• Dividends paid on any balance • Increase savings with Direct Deposit or automatic account transfers • $5/monthly maintenance fee waived with Money Market Savings daily balance $2,500+ • Use your account for overdraft protection on your personal checking account3 • Unlimited free in-branch and ATM withdrawals2

1 All ATMs in the CO-OP network are fee-free to members. CO-OP is a nationwide network of over 30,000 surcharge-free ATMs owned by credit unions, as well as participating 7-Eleven® store ATMs. 2 $2 monthly paper statement fee waived with eStatements, or direct deposit ($400+/mo. minimum into checking that receives the direct deposit), OR if under age 18 or 65+. 1 Dividends are only paid out for balances of $100 or more. 3 With enrollment in Overdraft Protection. 2 No more than six non-branch transfers, withdrawals, checks, or electronic debits per calendar month from your share savings or money market accounts. Refer to our Personal Account Agreement & Disclosure for full 4 Balances over $10,000 will earn dividends. See current rates, terms, and conditions online. details. 5 Requires enrollment in eStatements. Account will default to Personal Checking without notice if eStatement enrollment is not completed. 3 With enrollment in Overdraft Protection subject to limitation outline in #2 (above). 6 Electronic deposits are recorded for the current tax year. Maximum IRS annual contribution limits apply. 4 Electronic deposits are recorded for the current tax year. Maximum IRS annual contribution limits apply.

13 04 products and services

Overdraft Services

Overdraft Protection helps prevent overdraft and unavailable funds/insufficient fees on your checking account.

Overdraft Protection Accounts

You may link your checking account to a savings account, a money market account, or a line of credit to automatically transfer funds and avoid overdraft fees by requesting to link an account for Overdraft Protection. If you do not enroll in Overdraft Protection when you sign up for your account, you can call (800) 848-5654. It only takes a moment, and will remain in effect until you inform us otherwise.

Linking your accounts is free, although there is a $4 fee charged to your savings, money market account, or line of credit for each overdraft transfer.

Courtesy Pay

With Courtesy Pay, we may cover your paper checks, bill payments, pre-authorized electronic transactions (ACH), and recurring debit card transactions, even if there is not enough available funds in your qualified checking account.1

Additionally, ATM and one-time/everyday debit card transactions may be covered if you opt in to allow us to pay these transactions when you do not have sufficient available funds in your checking account. If you do not opt in when you open your account, you may opt in online or by calling (800) 848-5654.

There is no fee to have Courtesy Pay protection, but there is a $27 fee each time an overdraft occurs and we pay it, taking your account negative.2

We Also Provide Other Resources To Help You Manage Your Checking Account:

Account Alerts

With your Digital Banking account, you can stay informed with free, timely account alerts sent directly to your email or mobile device:

• You choose the amount and we will send you a message that your account balance is getting low or has fallen below a threshold that you have set

• Be notified of check clearings, paycheck deposits, and other account activity with transaction alerts

1 To be eligible, a qualified checking account must be in good standing which includes: negative balances paid timely (within 10 days), loan payments made on time, you have not caused a loss to the credit union, and you do not repeatedly overdraw your account. 2 There is a 5 per day limit on the number of times we will charge this fee. Please see our Personal Account Agreement & Disclosure for important overdraft information. All fees and overdraft (negative balance) are due upon transaction notification. Federal Regulation D limits the number of transfers from savings and money market accounts to 6 per month. Payment of an inadvertent overdraft is not guaranteed and is paid at the Credit Union's sole discretion. Courtesy Pay is not a loan, and all fees and the overdraft amount (negative balance) are due and must be repaid to us promptly. Lower limits may be granted at the discretion of the credit union.

14 Digital Services

Digital Banking with free Bill Pay allows you to manage your personal and business finances quickly and securely— anytime, anywhere.

Online Bill Pay Mobile App Popmoney1

Save time and money managing Use your mobile device for banking Transfer money to any person in your bill paying routine in one with our top-rated mobile app or the U.S. with only their mobile convenient spot. Pay your credit with text message banking. phone number or email address, no card, mortgage, utilities, or virtually matter where they bank. Available • Check balances any business or individual. With from your PC or mobile app. • Transfer funds Bill Pay you control when and how much to pay. • Access account history

• Popmoney

• Quick access with Touch ID Online Account Transfer1 (Apple iOS only) and Quick Mobile Check Deposits Easily move funds from one Balance Easily deposit checks using your account to another. Access your mobile device.2 Simply take a picture Download the accounts from any web browser, of your check to deposit it. “CCU Mobile Banking” any time of day. app from the Apple CCU Store or Google Play starting May 15, 2017. eStatements Mobile Payments

Get paperless statements delivered Apple Pay provides owners of right to your inbox. Account Alerts Apple devices a simple and secure way to make in-store or in-app • View your account statements Free, timely mobile or email alerts payments. Available June 2017. online when you agree to the will help you avoid overdraft eSign disclosure charges. Android Pay is expected to be available late 2017. • Receive email notifications and summaries for all of your accounts Purchase Rewards

Earn rewards and cash refunds when you shop with your debit card. Custom offers are made to you online in Digital Banking.

1 To be eligible, a qualified checking account must be in good standing which includes: negative balances paid timely (within 10 days), loan payments made on time, you have not caused a loss to the credit union, and you do not repeatedly overdraw your account. 2 There is a 5 per day limit on the number of times we will charge this fee. Please see our Personal Account Agreement & Disclosure for important overdraft information. All fees and overdraft (negative balance) are due upon transaction notification. Federal Regulation D limits the number of transfers from savings and money market accounts to 6 per month. Payment of an inadvertent overdraft is not guaranteed and is paid at the Credit Union's 1 The number of transfers from savings and money market accounts is limited to 6 per month. A $10 fee is charged for each transaction over the regulatory limit. sole discretion. Courtesy Pay is not a loan, and all fees and the overdraft amount (negative balance) are due and must be repaid to us promptly. Lower limits may be granted at the discretion of the credit union. 2 This service is not available on Blackberry or Windows 8 mobile devices; it is accessible only through the mobile app.

15 04 products and services

Loans & Lines of Credit

It pays to be a credit union member—especially when you’re in the market for a loan. We offer lower rates and better terms for loans than most banks and other lenders.

Auto Loans KEY FEATURES

• Purchase new or used vehicles • Buy out a current lease • $2,500–$300,000 • Car buying service available

Auto Loan • Competitive fixed rates and 36-84 • Optional loan protection available month terms including Mechanical Breakdown Protection and Guaranteed Asset Protection • Refinance an existing loan from another lender

Home Loans

• Low fixed rates • No upfront fees • Up to 100% combined loan-to-value financing • No pre-payment penalties for owner-occupied properties Home Equity Loan • Borrow $10,000–$500,000 of your available • Terms up to 20 years—makes equity payments low • Interest may be tax-deductible1

• Financing up to 97% of home value for • Offering fixed- and adjustable-rate mortgages purchases (ARMs) Real Estate/Mortgage Loans • No application fees & no prepayment • Portfolio lender penalties • Cash out up to 80% of home value

• Zero down payment purchases • Fixed- and adjustable-rate mortgages (ARMs) available • 90% cash out refinances (use a cash-out refinance for home improvements, school • No monthly mortgage insurance required VA Loans tuition, debt consolidation, vacations, or other • No prepayment penalty purchases) • Acceptable debt-to-income ratios higher than conventional loans

1 Please consult a tax advisor 2 An early closure fee of between $500 and $1,500 applies, depending on the HELOC limit, if the line is closed within 3 years of origination.

16 Loans & Lines of Credit (Continued)

Home Equity Line Of Credit KEY FEATURES

• Use the equity in your home for home • Low introductory rate improvements, college expenses, large Interest Only Home Equity • No upfront fees and no annual fees2 Line of Credit purchases, or debt consolidation • Borrow up to 100% CLTV

Personal Loans

• Installment loans with fixed payments • Financing up to $50,000 Signature Plus Loan • Terms up to 120 months • No collateral required

• Borrow against your Share Savings Account • Ultra-low rates and continue earning dividends Share Secured Loan • Use to build/re-establish credit • Financing up to 100% of account balance with verified available funds

• Use your share certificate funds as collateral • Avoid early withdrawal penalties for a loan on certificates Certificate Secured Loan • Borrow as little as $500, or up to 100% of the certificate deposit amount

• Revolving credit line up to $50,000 • No collateral required Prime Plus Line of Credit • Low variable rate, low monthly payment

1 Please consult a tax advisor 2 An early closure fee of between $500 and $1,500 applies, depending on the HELOC limit, if the line is closed within 3 years of origination.

17 04 products and services

Share & IRA Certificates

Share Certificates and Individual Retirement Accounts (IRAs) allow you to lock in a higher rate than liquid accounts to save for specific financial goals. With IRAs, you may also gain potential tax benefits.

TYPE KEY FEATURES

• Ideal for members looking to save for longer- • 3-60 month terms available term goals Share Certificates • Dividend tiers at $1,000, $10,000, $25,000, IRA Certificates • Guaranteed returns based on tiered balances $100,000 and terms

• Ideal for members ready to start a • Opening Deposit as low as $25 savings plan Saver Certificate • Requires $50 minimum deposit per month • 36-month terms

• 25-month term • One rate bump permitted per term Accelerator Certificate1 • Request a rate increase if CCU’s rate on this product goes up

Financial Planning SERVICES INCLUDE:

Our experienced financial advisors • 401(k) Rollover Options are registered through CUSO Financial • Roth & Traditional IRAs Services, L.P. (CFS),2 and can help you • Tax-Deferred Investing choose strategies that fit you, your family, • Retirement Planning and your budget. • Saving for College

1 Minimum opening deposit of $10,000. Fees may reduce earnings. Penalty for early withdrawal. 2 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 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.

18 Educators

As your financial partner, we've created ways to help you reach your financial goals with a suite of products and services designed just for educators and school staff members.

Checking Accounts KEY FEATURES

• No monthly statement fee with • Mobile Banking with mobile deposit and Educator Checking eStatements,1 no minimum deposit bill pay • Overdraft Protection2 available • Earn dividends, minimums apply3

Savings Accounts

• Grow savings faster with 3.00% APY,4 • Deposit up to $2,000 per month via payroll providing extra cash for summer deduction or direct deposit Educator Summer Savings • Withdrawal available at any time5 • Balance disbursed in July

Loans & Lines of Credit

• School employees are eligible to receive a rate • Discount is for purchase of a primary Mortgage Loan Discounts6 discount of .25% APR7 on their first mortgage residence purchase

• A special offer for school employees who may • Skip two loan payments per year 8 Educator Skip-A-Pay not get paid during the summer months (July/August OR August/September)

• A great resource for educators and • Low variable rate, low monthly payments administrators pursuing their next career step • No collateral required Prime Plus Line of Credit9 in the field of education. • Revolving credit line up to $50,000

0% APR7 Gear Up Loan10 • Borrow $500 for uniforms required as a school district employee. Classified employees only.

0% APR7 Classroom Cash Loan10 • Borrow $500–$1,000 to purchase classroom supplies. Certified employees only.

1 $2 monthly paper statement fee waived with eStatements, or direct deposit ($400+/mo. minimum into checking that receives the direct deposit), OR if under age 18 or 65+. 2 With enrollment in Overdraft Protection. 3 Balances over $10,000 will earn dividends. See current rates, terms and conditions online. 4 APY = Annual Percentage Yield, subject to change without notice. Deposits into the account can only be made via direct deposit or payroll deduction. Total deposits must not exceed $2,000 per month ($24,000 per year) (July 1 – June 30). The Credit Union will distribute the balance of the account in July via transfer into a CCU account. Proof of employment with a qualified California school required. 5 No more than six non-branch transfers, withdrawals, checks, or electronic debits per calendar month from your share savings or money market accounts. Refer to our Personal Account Agreement & Disclosure for full details. 6 School classified and certified employees eligible, proof of employment with a qualified California school required. 7 APR = Annual Percentage Rate. 1 Minimum opening deposit of $10,000. Fees may reduce earnings. Penalty for early withdrawal. 8 Some restrictions apply. Skip-A-Pay available on auto loans or signature plus loans only. Members who skip summer payments will see an increase in the monthly payment amount. 2 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 9 All loans are subject to credit approval. Fees and charges may apply. 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 10 Proof of employment with a qualified California school required. Existing membership with direct deposit to an active account required. Maximum term 15 months with Debt Protection, otherwise registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. maximum 12 months. Estimated 12 monthly payments per $500 borrowed is $41.67.

19 04 products and services

Credit Cards

Whether you’re looking for traditional benefits or premium rewards, we’ve got the card for you.

Consumer Credit Cards

PLATINUM CREDIT CARD SHARE-SECURED CREDIT CARD

Make your next purchase or manage your existing balances For members with very little credit history or those who may from higher rate credit cards. The lowest rate credit card that have a less than favorable credit background. A Share-Secured we offer. Credit Card is linked directly to a specific Credit Card Secured Savings account. This account provides the cash backing to

REWARDS CREDIT CARD secure your credit limit.

With our generous rewards program, you’ll earn one point for • Credit limit of $500–$5,000 available. every $1 spent plus a special offer for your first purchase. • The Credit Card Secured Savings account will be opened as the designated account used exclusively as collateral for the Share-Secured Credit Card.

Business Credit Cards

BUSINESS PLATINUM (JULY 2017) BUSINESS REWARDS (JULY 2017)

• Low minimum payment • Choice Rewards: 1 point for every $1 spent plus generous

• No annual fee benefits for your first purchase

• • Waiver of personal guarantee available for non-profit No annual fee organizations upon underwriting

20 Business Banking

Our business products and services are flexible, comprehensive and designed for the way you manage your cash flow. No matter your business size or volume, we have the solution that’s right for you.

Accounts & Services

• Basic Business and Premium Checking • Zero Balance Account

• Analyzed Business Checking • IOLTA

• Business Savings • Sweep Account

• Business Money Market Account • Business Remote Deposit Checking

• Business Certificates • Business Lending

School Business Banking

Whether your needs are small or larger, our products and services are ideal for Charter Schools, Independent Schools, Credit Cards Public/Private Schools, PTA/PTSA, Associated Student Body Accounts, Booster Clubs (including band and other club accounts), Fund-Raising Accounts, and more. Whether you’re looking for traditional benefits or premium rewards, we’ve got the card for you. Accounts & Services

• School Business and Premium Checking • School Savings Certificates

• School Analyzed Checking • School Rewards Credit Card

• School Savings • School Lending

• School Money Market Savings

Additional Services

Insurance

We offer multiple insurance options for members, including:

• Auto & Home Insurance • Dental Benefits (800) 813-0827 (866) 721-7587

• Life Insurance • Accidental Death and Dismemberment (888) 888-0375 (877) 309-6576

ID Theft Protection

Identity theft can happen to anyone, and restoring it can be both stressful and time-consuming. Our trusted partner offers identity theft detection and recovery services to members at a reduced cost. (866) 762-7868.

21 northislandcu.com californiacu.org