Introduction to Chevron Federal Credit Union Benefits, Products, and Services

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Introduction to Chevron Federal Credit Union Benefits, Products, and Services Great Rates. Personal Service. chevronfcu.org 510-627-5000 800-232-8101 Federally insured by NCUA

Overview Who We Are CFCU Branches and ATMs Who We Serve Family Eligibility Products & Services CO-OP Shared Branches ATM Networks

Who We Are Chevron Federal Credit Union (CFCU) is a not-for-profit financial institution. Founded in 1935, today we serve more than 98,000 members in the U.S. and overseas. Branches and/or ATMs at every major Chevron facility. More than 76,000 CO-OP Network ATMs and 6,800 CO-OP Shared Branches. More than $2.3 billion in assets, in the top 2% of all credit unions nationwide. The largest financial institution to serve an energy company.

CFCU Branches and ATMs We have branches and/or ATMs in many Chevron facilities, including locations in California, Hawaii, Utah, Colorado, Texas, Louisiana, Mississippi, and Pennsylvania.

Employees and retirees of Chevron Corporation, its wholly-owned subsidiaries, selected affiliated companies, and selected contractors. Employees of Pillsbury Winthrop Shaw Pittman Law Firm. Non-manual employees of Bechtel Corporation, its wholly-owned subsidiaries, and its affiliated companies. Employees of Charles Schwab & Co. Inc. who work in or are paid from San Francisco, CA. Persons who live, work, worship, or attend school in select areas of San Francisco, CA, and Frederick County, MD. Members of our non-profit associations: Contra Costa County Historical Society, Navy League of the US Bakersfield, El Paso, Honolulu, and West Contra Costa councils. Family of CFCU members. Who We Serve

Family Eligibility Become a member today and get a $50 Joining Bonus!* CFCU Member Parents Roommates Siblings Spouse Siblings Spouses Parents/Grandparents Children Children Parents/Grandparents Spouses Siblings Spouses Children Children Once a member, always a member. *Restrictions apply. Please speak with a staff member for details.

Products & Services Deposits We offer the following Share Accounts: FREE Checking Accounts* High-Yield Savings and Money Market Accounts High-Yield Youth Savings (MySavings SM ) High-Yield Share Certificates (CDs) Individual Retirement Accounts (IRAs) All Share Accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA). IRA accounts are insured up to $250,000. *ChexSystems verification required.

Products & Services Loans We offer real estate and consumer loans with great, low rates: Fixed-Rate and Adjustable-Rate Home Loans Home Equity Loans and Lines of Credit Auto Loans and RV/Watercraft Loans Credit Cards with Visa Cash Rewards Personal Loans and Lines of Credit Private Student Loans

Products & Services Electronic We offer convenient and secure electronic services: PC Access Online Banking, Mobile Banking, and Telephone Access Free estatements, Bill Payer, Person-to-Person Transfers, and Institution-to-Institution Transfers Remote Deposit of Paper Checks Using a Scanner or an iphone, ipad, or Android Device Direct Deposit, Payroll Deduction, and Automatic Payments Tax Filing Discounts and Specials

CO-OP Shared Branches CFCU is part of the CO-OP Shared Branch network. In these networks, all participating credit union branches are connected electronically. This means, as a member, you can use 6,800+ other credit unions branches and ATMs for free. All you need is identification and your account number; the transactions you conduct at a shared branch will post instantly to your account. Find CO-OP Shared Branches using our ATM/Branch Locator at chevronfcu.org or the locator feature in our iphone, ipad, and Android mobile banking apps.

ATM Networks In addition to CFCU s ATMs, members have access to 76,000+ surcharge-free network ATMs.* Look for the CO-OP Network, Allpoint, Alliance One, and Credit Union 24 logos. CO-OP Network ATMs also accept deposits. 80,000 70,000 76,000 60,000 50,000 40,000 30,000 20,000 10,000 18,000 12,000 0 CFCU Bank of America Wells Fargo Bank * CFCU will charge a $1.00 fee for each transaction over eight per month, per card at non-cfcu ATMs.

Q & A Great Rates. Personal Service. chevronfcu.org 510-627-5000 800-232-8101 Federally insured by NCUA