Just joined Golden 1 CU. I live and work in Sacramento and wanted to add a local CU to my line up.
Joining was a breeze. Application went to pending and then received email request for proof of residency, DL, and SS card. Easy upload.
No HP to join. EX was locked and didn't prevent SP for memberhip.
I'll apply for a LOC and/or CC sometime down the road. Confirmed with member services that they pull EX 2 for credit products.