BECAUSE LIFE HAPPENS.

Golden 1 makes credit decisions by analyzing a borrower’s FICO® Score from one of the three major consumer reporting agencies (CRAs). A FICO Score is based on payment history, outstanding debts, length of credit history, number of opened accounts, and types of credit used.

Lots of places, including at a Golden 1 branch or ATM, but the easiest way is through Online Banking. Search at the top of the site for more options.

Fill out the Overdraft Protection form and send it by email, fax, or mail:

Email: mbrsvc@golden1.com

Fax: 1-916-732-2810

Mail: Golden 1 Credit Union
Attn: Deposit Account Servicing
P.O. Box 15966
Sacramento, CA 95852-9936

• Visit the Online Loan Payment Center

• Log in to Online Banking

• Visit a branch

• Call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361)

• Sign up for a payroll deduction

• Set up online bill pay from another financial institution

Learn more about making loan payments on our Loan Servicing page.

Yes, you can skip a payment on personal loans (but not lines of credit) once every 12 months provided you meet the following requirements: • Your loan account is current • The request is made more than 10 days before your next due date • You have at least one month of payment history • Open-end loans are ineligible To make the request, please complete our Skip-A-Payment form and bring it to any Golden 1 branch. Please note a convenience fee and other limits may apply.

Never. You should be congratulated for paying off your loan, not penalized. Note that making large, lump-sum payments will lower your principal balance, but will not advance your due date more than 60 days.

Under the Military Lending Act (MLA), you can’t be charged an interest rate higher than 36% on certain types of consumer loans if you’re an active duty member of the armed forces or are on active Guard or Reserve duty. These include payday loans, vehicle title loans, installment loans, unsecured open-end personal lines of credit, and tax refund anticipation loans. The MLA also protects your spouse and certain dependents, with rights that include: • A 36% interest cap: You cannot be charged more than a 36% Military Annual Percentage Rate (MAPR), which includes the following costs:   ♢ Interest   ♢ Fees   ♢ Credit service charges   ♢ Credit renewal charges   ♢ Credit insurance premiums   ♢ Other fees for credit-related products sold about the loan • Written and oral disclosure: Creditors must tell you the interest rates and other fees you owe, both orally and in writing, before a loan is issued. • No mandatory waivers of consumer protection laws: Creditors cannot require you to waive any state or federal law, including the Service Members Civil Relief Act, which protects service members from being sued while on active duty. • No mandatory arbitration: Creditors cannot require you to submit to arbitration, which is when an outside party, instead of a Court, decides how a dispute should be resolved. • No mandatory allotments: A creditor cannot require you to create a voluntary allotment in order to get a loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan. • No prepayment penalty: A creditor cannot charge a penalty when you pay back part, or all, of a loan early.To learn more, please contact the U.S. Consumer Financial Protection Bureau.