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Products and Services Brochure 1

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PRODUCTS & SERVICESP.O. Box 5073 Livermore, CA 94551800.877.4444 • oefederal.orgFOR MORE INFO ON OUR SERVICES CALL OR TEXT 800.877.4444 OR VISIT OEFEDERAL.ORGLOOKING FOR A BRANCH?LOOKING FOR A BRANCH? Access your money at an Access your money at an OE Federal Branch, CO-OP Shared Branch or one OE Federal Branch, CO-OP Shared Branch or one of the 60,000+ fee-free ATMs on the CO-OP and of the 60,000+ fee-free ATMs on the CO-OP and Allpoint networks.Allpoint networks.12/23ALLPOINT ATMs:www.allpointnetwork.com800.976.4917CO-OP ATMS & SHARED BRANCHES:www.co-opcreditunions.org/locator/888.748.3266Federally insured by NCUA | Equal Housing LenderSERVICESInsurance Options> Guaranteed Asset Protection (GAP)> Mechanical Repair Coverage (MRC)> Life, Disability, AD&DOnline/Mobile Banking> Check Account Balances> Deposit Checks> Make Transfers/Payments> Send Money with Zelle®Financial Education> Free Monthly Webinars> Monthly Blog Posts> Financial CalculatorsAdditional Benets> Loans Friendly to Seasonal Work> We’ll Never Sell Your Loan to a Third Party Company> Exclusive Discounts & OffersOE FEDERAL BRANCHES:www.oefederal.org800.877.4444Let’s get social! Scan to follow us on Social MediaTHANK YOU FORCONSIDERINGOE FEDERAL

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PRODUCTS & SERVICESP.O. Box 5073 Livermore, CA 94551800.877.4444 • oefederal.orgFOR MORE INFO ON OUR SERVICES CALL OR TEXT 800.877.4444 OR VISIT OEFEDERAL.ORGLOOKING FOR A BRANCH?LOOKING FOR A BRANCH? Access your money at an Access your money at an OE Federal Branch, CO-OP Shared Branch or one OE Federal Branch, CO-OP Shared Branch or one of the 60,000+ fee-free ATMs on the CO-OP and of the 60,000+ fee-free ATMs on the CO-OP and Allpoint networks.Allpoint networks.12/23ALLPOINT ATMs:www.allpointnetwork.com800.976.4917CO-OP ATMS & SHARED BRANCHES:www.co-opcreditunions.org/locator/888.748.3266Federally insured by NCUA | Equal Housing LenderSERVICESInsurance Options> Guaranteed Asset Protection (GAP)> Mechanical Repair Coverage (MRC)> Life, Disability, AD&DOnline/Mobile Banking> Check Account Balances> Deposit Checks> Make Transfers/Payments> Send Money with Zelle®Financial Education> Free Monthly Webinars> Monthly Blog Posts> Financial CalculatorsAdditional Benets> Loans Friendly to Seasonal Work> We’ll Never Sell Your Loan to a Third Party Company> Exclusive Discounts & OffersOE FEDERAL BRANCHES:www.oefederal.org800.877.4444Let’s get social! Scan to follow us on Social MediaTHANK YOU FORCONSIDERINGOE FEDERAL

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PRODUCTS & SERVICESP.O. Box 5073 Livermore, CA 94551800.877.4444 • oefederal.orgFOR MORE INFO ON OUR SERVICES CALL OR TEXT 800.877.4444 OR VISIT OEFEDERAL.ORGLOOKING FOR A BRANCH?LOOKING FOR A BRANCH? Access your money at an Access your money at an OE Federal Branch, CO-OP Shared Branch or one OE Federal Branch, CO-OP Shared Branch or one of the 60,000+ fee-free ATMs on the CO-OP and of the 60,000+ fee-free ATMs on the CO-OP and Allpoint networks.Allpoint networks.12/23ALLPOINT ATMs:www.allpointnetwork.com800.976.4917CO-OP ATMS & SHARED BRANCHES:www.co-opcreditunions.org/locator/888.748.3266Federally insured by NCUA | Equal Housing LenderSERVICESInsurance Options> Guaranteed Asset Protection (GAP)> Mechanical Repair Coverage (MRC)> Life, Disability, AD&DOnline/Mobile Banking> Check Account Balances> Deposit Checks> Make Transfers/Payments> Send Money with Zelle®Financial Education> Free Monthly Webinars> Monthly Blog Posts> Financial CalculatorsAdditional Benets> Loans Friendly to Seasonal Work> We’ll Never Sell Your Loan to a Third Party Company> Exclusive Discounts & OffersOE FEDERAL BRANCHES:www.oefederal.org800.877.4444Let’s get social! Scan to follow us on Social MediaTHANK YOU FORCONSIDERINGOE FEDERAL

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BANK WITH OE FEDERAL CREDIT UNIONSince 1964, our members have become more than members; they’re our union family. And like family, we work hard to support you and your loved ones with a full range of nancial products and services. From Savings to Share Certicates, Auto Loans to Mortgages and Youth Accounts to Retirement Accounts, we’ve got accounts that t your needs. DEPOSITS DEPOSITS LOANS LOANSChecking Accounts> No Min Balance> No Monthly Fee > Direct Deposit> Mobile DepositSavings Accounts> $1 Opening Deposit> Low Min Balance> Earns Dividends> Automatic TransfersYouth Accounts> Youth Savings> Teen Checking> 24/7 Parental Access> No Monthly FeeAuto Loans> 48-84 Month Terms> New or Used Vehicles > Pre-Approval Available> No Early Payoff PenaltiesRV Loans> Motorhomes> 5th Wheels > Trailers> New or UsedPersonal Loans> From $500 to $20,000> Fixed Monthly Payment> Plans up to 60 Months> No Early Payoff PenaltiesMoney Market> $1,000 Min Deposit> Great for Emergency Fund > Compound Monthly> No Monthly FeeShare Certicate> $1,000 Min Deposit> Terms from 3 Mos - 5 Yrs> Use as Loan Collateral> Easy to “Set It & Forget It”Individual Retirement Accounts> $100 Min Deposit> Compounded Monthly> Invest in Your Future!> Traditional, Roth, or EducationHome Loans> 1st/2nd Mortgage> Home Equity Loans> First Time Homebuyer Program> Loan Specialist Appt AvailableCredit Cards> Strike Relief1> Union Rebate2> Rewards Card Option> No Annual Fees > No Cash Advance Fees> No Balance Transfer Fees¹To be eligible for Strike Relief, you must meet the following requirements: (1) you must have worked at least 20 hours per week during the 30-day period before the ofcial strike; (2) you must be a cardholder for at least one year; (3) your account must be in good standing; (4) you must be on strike or lockout for 30 or more consecutive days within the last six months. Strike Relief will defer your monthly minimum payment for up to 3 months from when you begin your strike.²OE Federal will make a donation of 1% of the gross interest you and your family members pay annually on your Visa account(s) to a charity designated by your Local. Your union group (including family members) must accumulate $50 or more in benets each calendar year for a donation to be made. Individual members and unions do not receive a tax benet from the donations made by the credit union through this program.

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BANK WITH OE FEDERAL CREDIT UNIONSince 1964, our members have become more than members; they’re our union family. And like family, we work hard to support you and your loved ones with a full range of nancial products and services. From Savings to Share Certicates, Auto Loans to Mortgages and Youth Accounts to Retirement Accounts, we’ve got accounts that t your needs. DEPOSITS DEPOSITS LOANS LOANSChecking Accounts> No Min Balance> No Monthly Fee > Direct Deposit> Mobile DepositSavings Accounts> $1 Opening Deposit> Low Min Balance> Earns Dividends> Automatic TransfersYouth Accounts> Youth Savings> Teen Checking> 24/7 Parental Access> No Monthly FeeAuto Loans> 48-84 Month Terms> New or Used Vehicles > Pre-Approval Available> No Early Payoff PenaltiesRV Loans> Motorhomes> 5th Wheels > Trailers> New or UsedPersonal Loans> From $500 to $20,000> Fixed Monthly Payment> Plans up to 60 Months> No Early Payoff PenaltiesMoney Market> $1,000 Min Deposit> Great for Emergency Fund > Compound Monthly> No Monthly FeeShare Certicate> $1,000 Min Deposit> Terms from 3 Mos - 5 Yrs> Use as Loan Collateral> Easy to “Set It & Forget It”Individual Retirement Accounts> $100 Min Deposit> Compounded Monthly> Invest in Your Future!> Traditional, Roth, or EducationHome Loans> 1st/2nd Mortgage> Home Equity Loans> First Time Homebuyer Program> Loan Specialist Appt AvailableCredit Cards> Strike Relief1> Union Rebate2> Rewards Card Option> No Annual Fees > No Cash Advance Fees> No Balance Transfer Fees¹To be eligible for Strike Relief, you must meet the following requirements: (1) you must have worked at least 20 hours per week during the 30-day period before the ofcial strike; (2) you must be a cardholder for at least one year; (3) your account must be in good standing; (4) you must be on strike or lockout for 30 or more consecutive days within the last six months. Strike Relief will defer your monthly minimum payment for up to 3 months from when you begin your strike.²OE Federal will make a donation of 1% of the gross interest you and your family members pay annually on your Visa account(s) to a charity designated by your Local. Your union group (including family members) must accumulate $50 or more in benets each calendar year for a donation to be made. Individual members and unions do not receive a tax benet from the donations made by the credit union through this program.

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BANK WITH OE FEDERAL CREDIT UNIONSince 1964, our members have become more than members; they’re our union family. And like family, we work hard to support you andyour loved ones with a full range of nancial products and services. From Savings to Share Certicates, Auto Loans to Mortgages andYouth Accounts to Retirement Accounts, we’ve got accounts that t your needs.DEPOSITS DEPOSITS LOANS LOANSChecking Accounts> No Min Balance> No Monthly Fee > Direct Deposit> Mobile DepositSavings Accounts> $1 Opening Deposit> Low Min Balance> Earns Dividends> Automatic TransfersYouth Accounts> Youth Savings> Teen Checking> 24/7 Parental Access> No Monthly FeeAuto Loans> 48-84 Month Terms> New or Used Vehicles > Pre-Approval Available> No Early Payoff PenaltiesRV Loans> Motorhomes> 5th Wheels > Trailers> New or UsedPersonal Loans> From $500 to $20,000> Fixed Monthly Payment> Plans up to 60 Months> No Early Payoff PenaltiesMoney Market> $1,000 Min Deposit> Great for Emergency Fund> Compound Monthly> No Monthly FeeShare Certicate>$1,000 Min Deposit> Terms from 3 Mos - 5 Yrs> Use as Loan Collateral> Easy to “Set It & Forget It”Individual Retirement Accounts> $100 Min Deposit> Compounded Monthly> Invest in Your Future!> Traditional, Roth, or EducationHome Loans> 1st/2nd Mortgage> Home Equity Loans> First Time Homebuyer Program> Loan Specialist Appt AvailableCredit Cards> Strike Relief1> Union Rebate2> Rewards Card Option> No Annual Fees> No Cash Advance Fees> No Balance Transfer Fees¹To be eligible for Strike Relief, you must meet the followingrequirements: (1) you must have worked at least 20 hours per weekduring the 30-day period before the ofcial strike; (2) you mustbe a cardholder for at least one year; (3) your account must be ingood standing; (4) you must be on strike or lockout for 30 or moreconsecutive days within the last six months. Strike Relief will deferyour monthly minimum payment for up to 3 months from when youbegin your strike.²OE Federal will make a donation of 1% of the gross interest youand your family members pay annually on your Visa account(s) to acharity designated by your Local. Your union group (including familymembers) must accumulate $50 or more in benets each calendaryear for a donation to be made. Individual members and unions donot receive a tax benet from the donations made by the credit unionthrough this program.

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BANK WITH OE FEDERAL CREDIT UNIONSince 1964, our members have become more than members; they’re our union family. And like family, we work hard to support you and your loved ones with a full range of nancial products and services. From Savings to Share Certicates, Auto Loans to Mortgages and Youth Accounts to Retirement Accounts, we’ve got accounts that t your needs. DEPOSITS DEPOSITS LOANS LOANSChecking Accounts> No Min Balance> No Monthly Fee > Direct Deposit> Mobile DepositSavings Accounts> $1 Opening Deposit> Low Min Balance> Earns Dividends> Automatic TransfersYouth Accounts> Youth Savings> Teen Checking> 24/7 Parental Access> No Monthly FeeAuto Loans> 48-84 Month Terms> New or Used Vehicles > Pre-Approval Available> No Early Payoff PenaltiesRV Loans> Motorhomes> 5th Wheels > Trailers> New or UsedPersonal Loans> From $500 to $20,000> Fixed Monthly Payment> Plans up to 60 Months> No Early Payoff PenaltiesMoney Market> $1,000 Min Deposit> Great for Emergency Fund > Compound Monthly> No Monthly FeeShare Certicate> $1,000 Min Deposit> Terms from 3 Mos - 5 Yrs> Use as Loan Collateral> Easy to “Set It & Forget It”Individual Retirement Accounts> $100 Min Deposit> Compounded Monthly> Invest in Your Future!> Traditional, Roth, or EducationHome Loans> 1st/2nd Mortgage> Home Equity Loans> First Time Homebuyer Program> Loan Specialist Appt AvailableCredit Cards> Strike Relief1> Union Rebate2> Rewards Card Option> No Annual Fees > No Cash Advance Fees> No Balance Transfer Fees¹To be eligible for Strike Relief, you must meet the following requirements: (1) you must have worked at least 20 hours per week during the 30-day period before the ofcial strike; (2) you must be a cardholder for at least one year; (3) your account must be in good standing; (4) you must be on strike or lockout for 30 or more consecutive days within the last six months. Strike Relief will defer your monthly minimum payment for up to 3 months from when you begin your strike.²OE Federal will make a donation of 1% of the gross interest you and your family members pay annually on your Visa account(s) to a charity designated by your Local. Your union group (including family members) must accumulate $50 or more in benets each calendar year for a donation to be made. Individual members and unions do not receive a tax benet from the donations made by the credit union through this program.

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PRODUCTS & SERVICESP.O. Box 5073 Livermore, CA 94551800.877.4444 • oefederal.orgFOR MORE INFO ON OUR SERVICES CALL OR TEXT 800.877.4444 OR VISIT OEFEDERAL.ORGLOOKING FOR A BRANCH?LOOKING FOR A BRANCH? Access your money at an Access your money at an OE Federal Branch, CO-OP Shared Branch or one OE Federal Branch, CO-OP Shared Branch or one of the 60,000+ fee-free ATMs on the CO-OP and of the 60,000+ fee-free ATMs on the CO-OP and Allpoint networks.Allpoint networks.12/23ALLPOINT ATMs:www.allpointnetwork.com800.976.4917CO-OP ATMS & SHARED BRANCHES:www.co-opcreditunions.org/locator/888.748.3266Federally insured by NCUA | Equal Housing LenderSERVICESInsurance Options> Guaranteed Asset Protection (GAP)> Mechanical Repair Coverage (MRC)> Life, Disability, AD&DOnline/Mobile Banking> Check Account Balances> Deposit Checks> Make Transfers/Payments> Send Money with Zelle®Financial Education> Free Monthly Webinars> Monthly Blog Posts> Financial CalculatorsAdditional Benets> Loans Friendly to Seasonal Work> We’ll Never Sell Your Loan to a Third Party Company> Exclusive Discounts & OffersOE FEDERAL BRANCHES:www.oefederal.org800.877.4444Let’s get social! Scan to follow us on Social MediaTHANK YOU FORCONSIDERINGOE FEDERAL