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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 5.99%

Home Mortgage Variable &Fixed Rates

Reverse Mortgages Variable &Fixed Rates

Share Certificates APY*12 Month .30%

18 Month .40%

24 Month .50%

36 Month .60%

*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

Board of Directors The Credit Union’s board of directors are all unpaid volunteers who are dedicated to promoting the success of the organization. They meet each month to discuss credit union business, monitor financial performance and provide guidance and direction to the staff. Each board member spends approximately 10 hours per month devoted to credit union business. The term for a board member is 3 years. We appreciate their dedication and work on our behalf! Board members are elected at the annual meeting. Our next annual meeting is scheduled for 11:00am on March 28, 2015 at the credit union. There will be three board seats up for election. Nominations may be submitted until March 1 before the meeting. For information on the nominating process, please call us at 707-584-0384.

Local Resources

Important DatesJanuary 19

Martin Luther King Jr Day - Office Closed

February 16th Presidents Day - Office Closed

You walk your dog anyway ...now,

every mile you walk,we donate to your

local animal shelter

Get the App at WoofTrax.com

and take your Walk for a Dog every day

FarmsReach founded in 2007 has been helping farmers purchase supplies, sell goods and connect and share knowledge to all types of farmers in California. They know running a farm isn’t easy. Farmers face the daily challenge of wearing multiple hats and trying to run a business dependent

on the weather and volatile markets. FarmsReach provides practical tools, services, and connections so farmers can learn from each other and optimize their operations. For more information visit FarmsReach.com

WoofTrax, creates fundraising opportunities for shelters and rescues while encouraging dogs and their humans to exercise together regularly through the Walk for a Dog mobile app. Download the app from Wooftrax.com and for every mile you walk they donate, it’s that easy! Support your local animal organization simply by walking your dog! Use the app each time you grab for the leash. It’s healthy for you, your dog, and your favorite shelter or rescue including two Sonoma County animal organizations.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

GRANGE CREDIT UNION Sonoma County

As a member of the not for profit Grange Credit Union cooperative, you control how the business is run. Join us at our annual meeting and voice your opinion while democratically voting for our Board of Directors. This ownership stake also means every decision we make is focused on you our members and no one else!

The Grange Credit Union is proud to announce that we will now be offering fixed and variable rate Home Mortgages to better serve the needs of our members. In addition Grange Credit Union will now be offering Reverse Mortgages, offering both fixed and variable rates as well as Home Equity Lines of Credit.

New Products and ServicesMortgage Options

Apple Pay

GiveawaysCongratulations and thank you to our Ipad Giveaway winner Cynthia Gamino for refering a friend to the Grange Credit Union!

Your next opportunity to win big will be coming in the month of January!

Follow our Facebook for all the information on our Scavenger Cash Hunt. We will be hiding $100 a day for a week, or maybe two, around town. You don’t even need to be a member just be the first one to find the money! Clues will be released daily on our Facebook Page.

Office Location304 Sutton Place Santa Rosa CA 95407(707) 584-0384Monday - Friday 9 am - 4 pm

Online Banking 24/7www.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.

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Get ready to pay with your Grange Credit Union Visa® card using Apple Pay™ on iPhone 6®

To see how Apple Pay lets you pay in an easy, secure, private way, visit apple.com/apple-pay

See other side for details…

Coming soon … a new way to pay

EMV (Europay, Mastercard, Visa) chip active cards allow for increased security and easier use of the card while traveling. EMV chips, similiar to Apple Pay, use a sophisticated cryptogram commonly used to validate data integrity, which enables dynamic authentication. “The creation of dynamic cryptograms for every transaction with online authentication is an important feature of chip cards that provide enhanced levels of security,” said Randy Vanderhoof, director of the EMV Migration Forum. “Using this process means that even if fraudsters were somehow able to steal account data from chip transactions, they would not be able to use it to create a counterfeit card and have fraudulent transactions authorized in a chip or magnetic stripe environment.” As your Grange Credit Union cards expire we will be updating all of them to EMV.

EMV Chips

Coming Soon.... a new way to pay.Members will soon be able to use all their Grange Credit Union cards on their Apple device to make easy and secure payments anywhere. Use the security of TouchIDTM to pay with a single touch. Accepted at hundreds of thousands of stores, Apple Pay is a more secure way to use your credit card. A newly developed tokenization system means neither Apple nor the merchant receives your personal information. This new system means a safer way for all to pay! We will be updating members as soon as the service is available for our Visa program. In the meantime, visit apple.com/apple-pay for more information.

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Free Bag Fridays!

Stop by the office on any Friday until March and receive a free reusable tote bag. Help us reduce waste and save some money at the grocery story with this handy free shopping bag!

GRANGE CREDIT UNION Sonoma County

This year, make sure your taxes are done right and get a chance to win big. Try any TurboTax® Online product for free and you will be entered into the TurboTax $25K Giveway. • All you need to know is yourself. TurboTax translates taxes into simple questions about your life and puts everything in the right forms for you. • You won’t miss a thing. TurboTax searches over 350 deductions and credits, so you can be confident you’re getting the biggest refund you deserve. • Double checks as you go. TurboTax runs error checks and a final review of your return to help make sure your taxes are done right.Start TurboTax now for free and be entered for an opportunity to win!

Save up to $15 on TurboTax®federal products.

Significant Statistics for 20141. Milk production is up 3.8% in the United States, and average production per cow is up 52lbs from 2013. The number of cow head per farm is also increasing in the United States from past years. Source: USDA

2. From 2011 to 2014, farmers’ use of social media increased at different paces.Source: Successful Farming Farmers’ Use of Media 2011 Study and Technology in Ag February 2014 Study

3. In the past year, 7 million piglets died from PEDv, that’s nearly 10% of the country’s pigs.Source: National Pork Producers Council

4. In 2013, 20% of farmers used cover crops. In the future, 38% plan to implement cover crops on their farm.Source: Successful Farming Seed Study 2013

5. In Sonoma County grapes repesent about 61% of the county’s total agriculture.Source: Sonoma Wine

6. Women head up more than 1 million U.S. farms, which is roughly 30% of the total.Source: Monsanto

“The soil is the great connector of lives, the source and destination of all. It is the healer and restorer and resurrector, by which disease passes into health, age into youth, death into life. Without proper care for it we can have no community, because without proper care for it we can have no life.” - Wendell Berry

“Organic is something we can all partake of and benefit from. When we demand organic, we are demanding poison-free food. We are demanding clean air. We are demanding pure, fresh water. We are demanding soil that is free to do its job and seeds that are free of toxins. We are demanding that our children be protected from harm. We all need to bite the bullet ... we must make organic the conventional choice and not the exception available only to the rich and educated.” - Maria Rodale

Enter the TurboTax $25K Giveaway!

Farm Bureau Members Receive Discounts on Local Wine:

Matanzas Creek - 20% Off

Korbel Champagne - 25% Off

Robert Young Estate- 30% Off

Visist sonomafb.org for the all information and a complete list of over 45 winery discounts.

GRANGE CREDIT UNION Sonoma County

David Williams, a Certified Financial Planner, will be giving a free seminar on Financial Literacy focused on estate planning. This seminar will take place in January, please visit grangecu.org or call 707-584-0384 for more information on the date and time of this event.

• Holidays in Healdsburg Wine and Foodie Walking Tour: Nov 22 - Jan 31rst

• Organic Seed Alliance presents, Fundamentals of Seed Production and Variety: Jan 10th

• BR Cohn Winery presents, Olive Curing Workshop with Don Landis: Jan 11th

• Wine Road presents, 23rd Annural Winter Wineland: Jan 17-18th

• California Rare Fruit Growers presents, Scion Exchange: Jan 24th

• 4-H County Presentation Day: Feb 7th

• Farm Bureau presents, 26th Annual Crab and Wine Fest: Feb 7th

• The Farmers Guild presents, 2nd Annual Guild Raising: Feb 14th

• Bennett Valley Grange presents, Spring Time in the Vinyard Song & Dance Benefit: Feb 22nd • Wine Road presents, 37th Annual Barrel Tasting: March 6-8th, 13-15th • Sonoma County Farm Bureua presents, Ag Days: March 17-18th

• 4-H Fashion Reveu, Fashion in Wonderland: March 21rst • 4-H 5th Annual Pancake Breakfast: March 29th

• 4-H Chickenque: May 3rd • Farm Trails presents, BBQ, Brews and Barn Dance: May 30th

Contact us or go online for all hours and location informatiom.

GRANGE CREDIT UNION Sonoma County

Your Local Events

8.99%*on purchases5.99%*on balance transfersGrange Credit Union

Visa® Platinum Card meets or beats the best rates in town!

Don’t miss out on this free no fee credit card!

* Annual Percentage Rate Based on Excellent Credit Score

304 Sutton PlaceSanta Rosa CA, 95407