welcome to your new usu credit union!



welcome to your new usu credit union!
Spring 2014
On behalf of the entire Goldenwest family,
welcome to your new USU Credit Union!
We’re honored that USU Credit Union members made the
decision to join forces with Goldenwest. Together, we will strive
to provide our members with the relevant financial tools and
resources you need to simplify your life and achieve your goals.
Our team has been working tirelessly to make this transition
as smooth as possible for you. This merger creates a stronger
credit union that will further enhance benefits for all of our
Each member household should have received a USU Credit Union Merger Guide with detailed information to help
you through your account conversion process. The latest merger information is available online at www.usucu.org
and at all 26 Goldenwest and USU Credit Union branches statewide. Member care center representatives are available
to assist you with merger questions over the phone at 435-753-4080 or 800-248-6361 and by responding to your
emails at [email protected]
Across our organization, one of our main objectives is to create an environment that gives you personal and
meaningful experiences with your credit union. We want to have effective conversations with our members through
face-to-face visits at branches, speaking over the phone, written communication via direct mail, email or online chat
sessions, or even reaching out through social media. Interacting with USU Credit Union should be both convenient
and uncomplicated for our members. Regardless how you choose to communicate with us, we want to hear from you.
On behalf of our Board of Directors and the entire credit union team, we again thank you for your ongoing
support during the merger. We look forward to serving you and your family for many years to come.
As a member of the Goldenwest Credit Union network, we invite you to join us at the Annual Meeting
on April 8th at the corporate office in South Ogden to learn more about the growing benefits
of your USU Credit Union membership. We look forward to meeting with you!
David Butterfield
Regional President
USU Credit Union
Kerry Wahlen
Goldenwest Credit Union
Board of Directors Election Information
Vote for the Board of
Directors 2014
The Nominations Committee received Statements of
Qualification from four nominees for the three open
Board of Directors positions in the 2014 election.
Three Statements of Qualification were received from
the following candidates for the two open three-year
term positions on the Board:
• Tad Neuenswander (incumbent)
• Karen Kagie (incumbent)
• Cynthia Aguillard
With the departure of Tony Reynolds from the Board,
his position was filled mid-term. Dan Musgrave was
appointed to the open position on the Board until the
2014 election.
As Tony Reynold’s term was set to expire in April 2016,
the election for this position will be for two years.
Statements of Qualification for the one open two-year
term position on the Board were received from the
following candidate:
• Dan Musgrave (incumbent)
As no other members submitted their names to the
Nominations Committee for a two-year term, there will
be no balloting to fill this board position.
As a member, this is your opportunity to vote for the
people who govern Goldenwest Credit Union.
Annual Meeting Invitation
All Goldenwest and USU Credit Union members and their
families are invited to attend the Goldenwest Annual
Meeting at our Corporate Center located at 5025 South
Adams Ave in Ogden on Tuesday, April 8, 2014.
The Open House will begin at 6:00 p.m., with Goldenwest
providing refreshments and a small gift for each person
attending the meeting. The Business Meeting will begin at
6:30 p.m., with several door prizes being awarded at the
end of the meeting.
Members May Vote By
The Following Methods:
Online at gwcu.org or usucu.org:
Available March 28-31, 2014.
2. In-Person at one of these four branches:
•198 North Main in Logan;
•1268 North Hill Field Road in Layton;
•5573 West 13400 South in Riverton; and,
•5025 South Adams Ave in South Ogden
(Corporate Center).
3. In-person voting will be available:
•9:00 a.m. until 5:30 p.m. on Friday, March 28;
•9:00 a.m. until 2:00 p.m. on Saturday, March 29;
•9:00 a.m. until 5:00 p.m. on Monday, March 31.
Online voting is available to members who have
established credentials to access Online Banking. If you do
not have access to Online Banking, you can complete a
five-minute enrollment process at gwcu.org or usucu.org.
For assistance, please contact the Goldenwest call center
at 801-621-4550 or 800-283-4550.
Only the primary person on an account is permitted to
vote. The primary member must be a member in good
standing with the credit union to be eligible to vote.
Each member is restricted to one vote, regardless of the
number of accounts they may have with the credit union.
Absentee ballots or proxy voting are not permitted for the
election. Results of the election will be announced at the
Goldenwest Credit Union Annual Meeting held April 8, 2014
at the Corporate Center in Ogden.
About the Candidates
Tad Neuenswander Incumbent/Three Year Term
I have been a member of Goldenwest Credit Union for more than 35 years. I have
a vested interest in ensuring that Goldenwest continues to operate successfully
for many years to come. I currently work in the high-tech industry and possess
a strong background in business and technology. I have a B.A. from Weber State
University in Business Administration and a MBA from Westminster College. I feel
that my business and technology background will enable me to ensure the right
oversight, continuity and stability of Goldenwest, as well as high quality services
for its members. I would love the opportunity to continue to serve the members of
Goldenwest Credit Union.
Karen Kagie Incumbent/Three Year Term
I’ve been a member for 18+ years of one of the top lending institutions in both our
state and nation, utilizing most of the services Goldenwest Credit Union offers. I
have 11+ years experience as an accountant, have been a Realtor for the past 5 years
and have served as GWCU board of directors and supervisory committee liaison for
the past 3 years. I enjoy giving back to my community and have served in many
capacities. I’m impressed by the wonderful leadership and people I have served
with at GWCU, the pride employees put into their work and that the credit union
always puts members first when making decisions. This is evident in the strength of
Goldenwest Credit Union today. I am familiar with the duties and responsibilities of
a board member and if elected will fulfill all duties and responsibilities of the office.
Cynthia Aguillard Candidate/Three Year Term
As a retired Air Force, DoD civilian, and member of Goldenwest, I bring 20+ years
of management experience. I have an MBA with an emphasis in business and
procurement. I am highly effective in promoting a positive, productive environment,
having earned a reputation for quality service to customers, contractors, and if given
the opportunity, to GWCU members/investors. I am resourceful and self-confident,
with strong interpersonal, organizational, and communication skills. These skill sets
have helped me be successful as a volunteer at my son’s school and fundraising for
American Red Cross. Therefore, I believe my education, work experience, and personal
skill sets will be very useful in helping GWCU maintain its status as a top-notch
Credit Union. I have a strong interest and commitment to GWCU and am extremely
motivated to learn board member duties/responsibilities, donate my time, education
and business experience to serve our community as a GWCU board member.
Dan Musgrave Incumbent/Two Year Term
I am a lifelong resident of Weber County and have been a Goldenwest member since
birth. I attended Weber County Schools and graduated from Weber State University
in 1983 with a Bachelor’s Degree in Marketing/Public Relations. I am the president
of Downtown Ogden Inc., the downtown Ogden business alliance. I have worked to
help in the revitalization of downtown Ogden for the past 20 years. I serve on the
boards of Historic 25th Street, The Junction Association, Ogden Pioneer Days, Mt.
Ogden Rotary, Ogden/Weber CVB, Christmas Village and Utah CDC. I have served
in the Wildcat Club, Ogden/Weber Chamber of Commerce and Weber State Alumni
Association. In addition, I manage the Ogden Farmers’ Market, Ogden City Arts
and the Ogden Amphitheater. I have enjoyed my time on the Goldenwest Board of
Directors and look forward to continuing serving our membership.
Expanded Branch Network
Wherever you are, USU Credit Union is there for you. Connect with us online with your mobile devices and personal
computers. Visit our branches, contact our call center, or stop by our ATMs. We want to give you convenient, secure
access to your accounts no matter where life takes you.
2085 Orchard Drive
Bountiful, UT 84010
1268 N Hillfield Rd
Layton, UT 84041
Brigham City
1120 South Main
Brigham City, UT 84302
760 East Main St
Lehi, UT 84043
555 West 100 North
Providence, UT 84332
198 N Main
Logan, UT 84321
(LoLo’s Marketplace)
2250 North University Pkwy
Provo, UT 84604
209 North State Street
Morgan, UT 84050
5573 West 13400 South
Riverton, UT 84096
147 26th St
Ogden, UT 84401
5627 South 2050 West
Roy, UT 84067
(Dick’s Market)
84 West Parrish Lane
Centerville, UT 84014
410 East 1700 South
Clearfield, UT 84015
1594 North 2000 West
Clinton, UT 84015
Farr West
1765 West 2700 North
North Ogden, UT 84414
131 West 200 North
Kaysville, UT 84037
3225 Harrison Blvd
Ogden, UT 84401
(Industrial Park)
3217 Pennsylvania Ave
Ogden, UT 84401
(North Central)
805 Washington Blvd
Ogden, UT 84404
7850 South 1300 East
Sandy, UT 84094
890 South Main
Smithfield, UT 84335
South Jordan
3664 West 10400 South
South Jordan, UT 84095
South Ogden
5025 South Adams Ave
South Ogden, UT 84403
St George
1805 West Sunset Blvd
St George, UT 84770
St George Opening 2014
2200 East Riverside Drive
St. George, UT 84790
USU Campus
695 East 1000 North
Logan, UT 84321
Washington Terrace
(Bonneville High School)
251 Laker Way
Washington Terrace, UT
West Ogden
3217 Pennsylvania Ave
Ogden, UT 84401
Shared Branching: New for USU Credit Union
Surcharge-Free ATM Network
Shared branching gives you access to nearly 5,000
credit union locations nationwide.
Enjoy access to nearly 30,000 surcharge-free
network ATMs nationwide.
Online and Mobile Banking
Call Center
Access your USU Credit Union account online 24/7,
freely and securely with your mobile phone, tablet,
laptop or PC. Download our free mobile banking
apps or visit our website at usucu.org.
Contact our call center to speak with a credit union
member specialist by calling 435-753-4080 or
800-248-6361. Request a live chat session at
usucu.org or email us at [email protected]
Construction Loan
4.25 Annual Percentage Rate (APR) is a variable rate for construction loans up to $417,000 on
approved credit. Variable rate is based on Prime Rate + 1.00%. As of March 1, 2014, Prime Rate is 3.25%.
NMLS #440574
New Website &
Online Banking
USU Credit Union is giving members a more dynamic
online experience with a new website design, online
banking system and an enhanced mobile banking app.
Easily Page Through Your Transactions
Add notes to your transactions to help you remember
how you spent money or where funds originated from.
The new website provides members with easy access to
features such as online banking, branch locations, and
loan applications. The site also provides a new search
tool and an online chat option.
The site also features a new and improved online
banking system. Before using the new Online Branch,
you must first complete a brief registration process.
Please refer to the “Sign Up For Online Banking”
section of your Merger Guide for details.
After completing registration for Online Banking,
members can enroll in the new Bill Pay system and
download the updated mobile banking application.
Reset Your Password Online
Forgot your password? Click the ‘reset password’ link,
answer the security questions, and you’ll be back into
your account within a few minutes.
Organize Transactions With Notes
Add notes to your transactions to help you remember
how you spent money or where funds originated from.
New Budgeting and Management Tools
Track your expenses and spending habits.
Mobile Deposit
Deposit checks 24/7 using the upgrade on the free
mobile banking app. The new feature is available for
Android, iPhone, iPad and iPad mini devices.
P.O. Box 1111 Ogden, Utah 84402
USU Credit Union Information
Bill Hart, Chair
Tad Neuenswander, Vice Chair
Jeanette Smyth, Secretary
Jess Hunsaker
Karen Kagie
Stoney Wayment
Dan Musgrave
Steve Carroll
Brandon Hendrickson
435-753-4080 or 800-248-6361
Phil Orrock, Chair
Karen Kagie, Board Liaison
Ron Gebhardt
Rulon Fowlers
Richard Marker
Follow CEO Kerry Wahlen
USU Credit Union
5025 Adams Ave, Ogden, UT 84403
PO Box 1111, Ogden, UT 84402
198 N Main, Logan, UT 84321
PO Box 446, Logan, UT 84323