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
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