As we approach the close of an extraordinary year, I want to share something that fills me with immense pride and gratitude. The Board of Directors has approved the largest year-end bonus in Goldenwest history – an incredible $4 million – to members through the Golden Rewards Loyalty Bonus program.

Returning $4 million to our members is more than an amazing financial achievement. It’s a testament of your loyalty to Goldenwest and the strong credit union we’ve built together. Over the course of 22 years, we have returned more than $34 million to our members through the year-end bonus program.

On January 1, 2026, your Loyalty Bonus will be deposited directly into your Gold Account, where it will immediately begin earning 6.00% Annual Percentage Yield (APY). The year-end bonus not only rewards your loyalty, but also gives you the opportunity to earn more on your savings in this high-yield account!

The Loyalty Bonus is designed to give back to members who make Goldenwest a meaningful and consistent part of their financial lives. Your choice to actively utilize our deposit accounts, loans, Visa cards, and insurance services not only helps strengthen Goldenwest but also allows your year-end bonus to grow correspondingly.

The Gold Account is a free, high-yield savings account created to build funds for life’s unexpected moments. Beyond the Loyalty Bonus, the Gold Account can grow throughout the year with Debit Card Round-Up Rewards, Visa cash-back options, and other exclusive promotions offered with the Golden Rewards program.

As Goldenwest nears the end of our ninth decade of service, I am reminded that our purpose has always been the same: to take care of our members. For 89 years and counting, you have been the reason we exist. Our members are everything to us. And without you, nothing else matters.

As we look ahead, I send my warmest wishes to you and your loved ones for a joyful holiday season and a prosperous 2026. Thank you for being part of our Goldenwest family. Serving you is both our privilege and our greatest honor.

With appreciation,

Kerry