Sonoma County
GRANGE CREDIT UNION
Promo Ra
On Next Pategse
!
Interest Rates
Loan Type
APR*
New & Used Auto
1.97%
Tractor
2.75%
Signature
5.49%
Share Secured
2.49%
Credit Card-Purchase
8.99%
Credit Card-Transfer
5.99%
Home Equity Loan
3.75%
Home Mortgage
Variable &
Fixed Rates
Reverse Mortgages
Variable &
Fixed Rates
Share Certificates
APY*
6 Month
.35%
12 Month
.50%
24 Month
.65%
36 Month
.70%
*APR= Annual Percentage Rate shown based
on excellent credit qualification
*APY= Annual Percentage Yield
Rates are subject to change without notice
Contact our office for all other rate
information
Important Dates
May 25th
Memorial Day- Office Closed
July 3rd
Independence Day Observed
- Office Closed
Your savings federally insured
to at least $250,000 and
backed by the full faith and
credit of the United States
Government.
Sonoma County Grange Credit Union
President’s Message
One of a credit union’s main functions is to provide affordable loans to its
members. In today’s current low interest rate environment, now is a great
time to refinance your home mortgage or obtain a home equity loan to
finance your business or personal needs. We don’t hit you with a bunch of
fees like a commercial bank might. You are a member-owner and we treat
you as such. Excess profits for us only comes from your pockets so we
Chris Call
run a tight ship to keep your financing costs low and your savings rates high. If you are still
using one of the big commercial banks for your home mortgage or other financing needs,
please re-think your options and come over to the local credit union which you own.
Our staff has been active in the past quarter attending and supporting events in which
our members participate. Monthly Grange meetings, Farmers Guild events, 4-H activities,
Farm Bureau Crab Feed and Ag Days are just of few of the activities that we are a part of.
We’ve recently updated our website to add a new “Classified Ad” feature to assist our
members in buying and selling items unique to the local ag community. We held a free
educational seminar on Estate Planning at the credit union in February and will be doing
more seminars in the coming months. We hope you’ll take advantage of the many benefits
your credit union offers.
Sonoma County is an ideal place to live. We should all support the local farmers
and buinesses here in the county rather than send our money out of the area with chain
stores and national brands. We encourage all our members to buy their food from local
producers, dine at locally owned restaurants, shop at home-grown businesses and, of
course, bank local with Sonoma County Grange Credit Union. Let’s keep our
money circulating in Sonoma County!
Local Resources
Community Alliance with Family Farmers
is the result of efforts by both farmers
and urban activists working together for over 30 years.
They strive to build a movement of rural and urban
people to foster family-scale agriculture. CAFF has
played key roles in enacting the nation’s toughest laws
regulating pesticide use; promoting the development of
organic farming; bringing fresh, local produce into school
cafeterias; and establishing programs to distribute locally grown produce to community
grocery stores, hospitals, restaurants and farmers markets. To
learn more and become a part of this great organization or to
search for local food, visit caff.org
Good Eggs brings local groceries right to you. Order online from
the best local farmers & foodmakers, and your groceries are
picked and prepped to order. If you’re in the Bay Area, they’ll
aggregate, pack and deliver your goods to your door — for free!
Order exactly what you want from local farmers on goodeggs.com with not commitment.
Local food is better for everyone involved and Good Eggs finally makes it easy to get that
farm fresh food your body craves. Better eating, local strength, enviornmental care and
smarter consumers. Check out all the great eats today!
Office Location
304 Sutton Place
Santa Rosa CA 95407
(707) 584-0384
Monday - Friday
9 am - 4 pm
Sat-Sun -by appointment
Online Banking 24/7
www.grangecu.org
Our Mission
Grange Credit Union is a family
oriented financial cooperative
dedicated to providing its Grange
and agri-business association
members financial security through
dividends of savings and low
rates on loans. Financial services
are designed to be responsive to
members needs and are delivered
in a professional, personalized, and
trusting manner.
Now
Offering
Pet
Insurance
for your
furry
friends
Visit our website for
more info!
Credit Tips
The Best
Sonoma
CountyRates
Around
Are Now At The Grange
GRANGE CREDIT UNION
New Credit Card Applicants can
take advantage of this limited
time promo offer!
7.99%*on purchases
2.99%*on balance5.99%*
transfers
for 12 month billing period, after rate returns to
NO ANNUAL FEES
NO BALANCE TRANSFER FEES
*APR=Annual Percentage Rate
Rates shown reflect excellent credit score
Special Certificate Rate! One Month Only!
1.00%
APY
APY=Annual Percentage Yield
Earn
on our
promotional 6 month share certificate
Offer Valid from 4/1/15 - 4/30/15,
min deposit $5,000. Open to new and
current members, individual accounts
only, must have GCU checking account
Checking Account Tips
Hurry! Limited
Time Offer!
Regularly checking your
By following these simple tips, you can more
Credit Score can help avoid
effectively manage your checking account.
fraudulent activity, let you
• Know your account balance. If you regularly balance your checkbook, you will be less likely to write
a check for more money than you have available in your account. In addition to the checks you
know where you stand when
have written, be sure to subtract all debit and ATM transactions as well as any associated fees.
applying for a loan as well as
informing you if you have been • Get in the habit of reviewing your monthly bank statement every single month. It only takes a
minute and a minute spent comparing your statement against your check register can save you
sent to collection agencies or
days of trying to track down mistakes, missed entries, etc.
have tax liens.
For your FREE credit report
visit annualcreditreport.com
-Authorized by Federal Law
• Do not “float” checks. The “float” is that time delay between when a check is deposited or written
and when the money becomes available or is withdrawn from your account. With the increased
use of electronic check processing, float time has been significantly reduced or in some cases
eliminated. In any event, be sure to wait until funds are available before writing checks.
For more helpful information and a FREE ChexSystems Consumer Report visit consumerdebit.com
Teach Your Children Financial Independence
Are your kids on the right track to financial independence?
Visit Our New
Website
ytnuoC amonoS With brand new features
NOINU TIDERC EGNARG
For many of today’s young adults, the weakest link lies in learning the basics.
According to a 2014 survey conducted by Harris Poll on behalf of Junior
Achievement USA (2014 Teens and Personal Finance Survey), 40% of teens do not
have a savings account, checking account, or debit or credit card, and 59% of teens
do not have money management classes offered at their schools.
Achieving economic prosperity is difficult, and it’s especially hard for young people
who’ve never learned how to manage money.
Your credit union is ideally positioned to respond because we believe in the power
of education. We’re here to help you launch the youth in your life toward financial
independence, and here’s how:
Join. For starters, open a credit union savings account for each child in your family.
As soon as your children can write, have them fill out deposit and withdrawal slips.
Guide teenagers through using a debit card and tracking transactions.
Share. Include your children in household money discussions. Show them how you
budget income and expenses. As their skills improve, give them challenges—such
as finding a better cell phone plan, calculating the total monthly cost of owning a
car, or sticking to a budget for back-to-school or holiday spending.
Coach. Remind your children to ask for help when they need it. And turn to your
credit union when you want help. Our tradition of service and philosophy of selfhelp make Grange Credit Union and all credit unions a natural partner in pursuing
financial security.
We’re here to help. For more information, contact Alex Geer, 707-584-0384
Copyright 2015 Credit Union National Association Inc. All other rights reserved.
Coming in early April the Grange Credit Union will be holding a Banking
101 Youth Seminar covering the basics of balancing an account, keeping
track of expenditures, writing checks and more. Call or Email to let us
know when the best time would be for you! After School or Weekend?
707-584-0384
[email protected]
Grange Credit Union has great ways
Need a New Car? Grange
our members to save on a new
Gives You Great Ways To Save for
vehicle purchase.
The Credit Union Member Discount from GM offers all current and eligible credit union
members exclusive discounts on a new Chevy, Buick or GMC vehicles. This is in addition to
the most current incentives and special offers! Depending on the vehicle, you could save
hundreds, even thousands of dollars on your next new Chevrolet, Buick, or GMC vehicle
purchase just for being a credit union member. Visit LoveMyCreditUnion.org to see how
much you can save and request your GM Authorization Number.
Our members can save big with great low rates when you finance your new vehicle
through Grange Credit Union. Contact us at 707-584-0384 or by email at loans@
grangecu.org directly to find out more about your vehicle financing options.
%*
.97
Rates as low as 1
including:
• Up to date rate
information
• Local Event Calendar
• Local Resources
• Financial Tools and
Calculators
• Neighboorhood
Classifieds
• Easier online application
access
New Look, Same Address
grangecu.org
304 Sutton Place
Santa Rosa CA, 95407
Support Sonoma County
and it’s oldest Credit Union!
Your Local Events
• Sebastopol Grange presents April Fools Moonshine Fest-of-All: April 3rd-4th
• Bennett Valley Grange Spring Picnic: April 4th
• Grange Credit Union presents Banking 101 Youth Seminar: Call for details 707-584-0384
• The Farmers Guild presents a showing of Food Chains: April 7th
• Bodega Bay Fisherman’s Festival: April 11th-12th
• Bodega Grange Meeting, CEO Chris Call featured speaker: April 12th
• Apple Blossom Festival: April 18th-19th
• The 34th Annual Butter & Egg Days Parade & Festival: April 25th-26th
• Farm Trails presents: Blossoms, Bees & Barnyard Babies: May 2nd-3rd
• 4-H Chickenque: May 3rd
• Luther Burbank Rose Parade & Festival: May 16th
• 2nd Annual Valley Ford Farm to Home Wool Festival: May 16th-17th
• Bottlerock: May 29th-31rst
• Farm Trails presents BBQ, Brews & Barn Dance: May 30rd
• Farm Bureau presents Young Farmers & Ranchers Sporting Clay Shoot: May 30rd
• Sonoma-Marin Fair : June 24th-28th
• Sonoma County Fair: July 24th- Aug 9th
See our event calendar online for all hours and location information.
Sonoma County
GRANGE CREDIT UNION