3 Welcome to Redwood Credit Union Since 1950, Redwood Credit Union (RCU) has been honored to provide trusted financial services to our communities. Today we serve over 225,000 Members, with 18 full-service North Bay branches and 30,000 free network ATMs nationwide. With over $2 billion in assets, RCU has grown to be among the top 100 largest of 7,000 credit unions nationwide. As we ve grown, one thing remains constant: our passion for serving our Members, employees and communities. Through the years, we ve assisted thousands of Members in achieving their financial goals and dreams. We ve helped Members affordably buy homes and cars, plan for weddings and vacations, remodel their houses, save for college and their family s future, grow their businesses, and build towards a secure retirement. Through every stage of life, RCU helps our Members achieve financial well-being. Still, many people in our communities don t fully understand who we are, and how we can help them save, grow, build, dream and achieve their financial goals. So here is our story we invite you to learn more about Redwood Credit Union and how you and your family can participate and benefit. We hope you will see that our story is told through the lives of each and every Member we ve helped. We also hope you ll begin to experience what we call the RCU magic, and gain a greater sense of the many benefits of belonging to Redwood Credit Union. 1
4 2 Elaine Bossa is one of the seven founding Members who incorporated the Credit Union on January 19, 1950.
5 It s about... Cooperation There is strength when people come together for the collective good. This is the foundation of the credit union ideal: individual Members cooperating together so each can benefit and achieve a better life. It s not a new idea. The first credit union dates back to the mid-1800s, when a group of farmers in Germany seeking loans to plant their crops were turned away from traditional banks. They came together to pool their resources and help each other, and the credit union concept was born. That business model and cooperative philosophy soon found its way to the US, and to Northern California. In 1950, our Credit Union was established by seven employees of the County of Sonoma, who shared a vision consistent with those who founded our industry to participate together for the benefit of all. It started as a lock box in an office drawer, where county workers could save their hard-earned money, and provide reasonable loans to their co-workers. Today, Redwood Credit Union is a community credit union, which means anyone living or working in the North Bay or San Francisco can safely save their money, borrow at reasonable rates and take pride in knowing their friends, family and neighbors who are Members are sharing in these benefits. While the journey of credit unions started long ago, it s clear the philosophy of cooperation for mutual benefit continues to have tremendous merit and value today and Members across the globe are benefiting every day from this simple concept. 3
6 4 We are passionately committed to serving our Members in person, on the phone and online.
7 It s about... Service Service to our Members is not only our top priority at Redwood Credit Union, it s the reason we exist. It s also a central component of what we call the RCU magic. Our employees and volunteer officials (the Board of Directors and the Supervisory Committee) feel this magic every day and we hope our Members and communities do, too. The success of every Redwood Credit Union employee is measured, in large part, by a thorough understanding and demonstration of our Service Standards: We will build relationships, demonstrate trust & respect, do the right thing, show commitment, partner for security, and be ambassadors. Every transaction and interaction is an opportunity to serve and reinforce the trust and confidence our Members have in us. That s why listening to our Members is so important so we can understand their needs, and learn how we can further serve them. We survey our Members regularly, and our Member satisfaction scores are nationleading among peer credit unions. But we are always striving to do better, so we use the feedback gathered through these surveys, along with other Member feedback we receive, to make changes and improvements to our service. We value our Members voices and that input guides us in our decision-making. 5
8 6 We make earning and keeping our Members trust our top priority.
9 It s about... Trust Doing business with trustworthy people and companies has always been important. At Redwood Credit Union, earning and keeping our Members trust is a top priority. After all, our Members own the cooperative, and we work for them. We understand they are entrusting us with the safekeeping of their hard-earned money. Each day our Members look to us for helpful financial services, advice and resources so they can find financial peace of mind, and achieve a brighter future. We believe in the simple concept of doing the right thing. For us, that means offering financial services with our Members best interests in mind. That s why our rates are among the best available, our fees are reasonable or non-existent, and our products are structured for the true benefit of Members not for the profit or gain of the company. And we ask questions and listen carefully so we can provide tools, resources and information that can help Members achieve financial well-being. We are honored so many people have chosen us for their financial services needs. We never forget they have choices, and we work to earn their trust and business every day through the manner in which we serve them. 7
10 8 Offering one-stop shopping convenience such as RCU Auto Services increases value for our Members.
11 It s about... Value Credit unions deliver greater value and benefits to Members because our focus is people, not profit. We return earnings to Members in ways that benefit them directly better rates, low or no fees, and expanding services well beyond checking, savings and loans to insurance, investments, auto purchasing, business services, new branches and ATMs, online and mobile banking services and more. Beyond exceptional service and pricing on financial products, Redwood Credit Union believes Members want and deserve even greater value. We know Members need trusted resources and advice on financial issues. That s why we assist them through budgeting, debt consolidation, mortgage and loan refinancing, credit issues, helping them save for education and their family s future, and investing for a secure retirement. We also offer free financial information and educational seminars, complimentary financial plans from knowledgeable and certified financial planners, and credit union-paid services that give Members free access to financial counselors. Through services like these, our Members can enjoy real value that makes a meaningful difference in their lives. 9
12 10 RCU offers a variety of convenience services for 24/7 account access.
13 It s about... Convenience Our Members have busy lives so providing financial services in the most convenient ways possible is key to providing exceptional service. Members can access their RCU accounts anytime, anywhere from their computer or mobile device using online and mobile banking, or by phone using our 24-hour automated teller. We offer 18 full-service North Bay branches from San Francisco to Mendocino county, and from the coastal community of Point Arena to the Napa Valley. For added convenience, Members can access over 30,000 nationwide fee-free ATMs, including those located at thousands of 7-Eleven, Costco and Walgreens locations. Beyond the North Bay, RCU belongs to a nationwide network of more than 6,800 Credit Union Service Centers, which allows Members to do their RCU banking at other credit union locations, just as if they were at an RCU branch. Finding a branch, ATM or service center is easy they are listed on our website, via our mobile apps, and by asking any of our branch or telephone service representatives. Like all our services, our local phone center, comprehensive website and numerous online tools are designed to save Members time and money, and make their banking experience as easy as possible. 11
14 12 RCU offers customized financial solutions to meet our Members needs.
15 It s about... Options Redwood Credit Union provides a full and ever-growing array of financial services. Through every stage of life, RCU can help with a Member s financial needs. We offer all the services listed below, and more. s Free checking accounts s Savings, money market accounts and certificates s Investment and financial planning services (including stocks, bonds, mutual funds, 529 plans, annuities and more) s Youth accounts s Visa credit and debit cards with optional rewards programs s Auto, RV, boat, motorcycle, airplane, personal and solar loans s Autos for sale through our Auto Center and vehicle locator service s Home loans including first mortgages, home equity loans and lines of credit, and reverse mortgages s Small business services, including commercial and SBA loans s Insurance services, both personal and business s More than 30,000 free local and nationwide ATMs s 18 California North Bay and San Francisco branch locations s Free online banking, bill pay, mobile banking and other convenient online services s Direct deposit, automatic payments and transfers, and much more s Free financial information, education, tools, resources and seminars 13
16 RCU employees and Officials contribute to the betterment of our communities through a variety of volunteer efforts, as shown here on National Make A Difference Day. 14
17 It s about... People Our exceptional service would not be possible without the dedication and commitment of the people who work for RCU. Redwood Credit Union s volunteer Board of Directors and Supervisory Committee, along with over 400 employees, dedicate themselves each and every day to passionately serving our Members, communities and each other. This shared vision creates the spirit of Redwood Credit Union or what we call the RCU magic and it s evident in everything we do. We attract and retain people who are passionate about service to others. For most who experience our culture of service, the work experience proves to be more than just a job, and we re fortunate to enjoy strong employee retention and long service tenures. We are committed to providing a positive, productive and engaging workplace that employs great people. We provide competitive compensation and benefits, effective training and career development, and opportunities to be involved in our communities. We work every day to ensure a culture of trust, respect, open communication, growth, collaboration, teamwork and fun. While we are honored to be a multi-year recipient of the North Bay s Best Place to Work award, we are even more proud of the dedicated people who work for us and all they do to provide exceptional service to our Members and communities. 15
18 16 RCU employees show our commitment to our communities by participating in many events with local organizations and charities.
19 It s about... Community Redwood Credit Union has been serving the North Bay with affordable financial services for decades. By doing so, we are honored every day to help people in our local communities buy their first car, move into a new home, reduce financial stress, save for their futures, start and build their business, and achieve a better life. Our commitment reaches beyond providing great service as a financial institution it extends to great service in our communities, too. Our comprehensive community giving program creates opportunity for us to give back to our communities in a variety of ways: s Volunteering with local nonprofits and community groups s Providing financial support and donations to organizations that strengthen our communities s Participating in leadership roles on nonprofit and community boards s Offering free financial literacy and seminars on helpful financial topics s Providing complimentary meeting space for nonprofits and groups in our Community Room We are passionate about volunteering in our communities. Each year we dedicate thousands of hours to benefit nonprofits, individuals and community groups. We are also involved in local economic development efforts to help strengthen our business communities and improve our local economies so small businesses can thrive and grow. It is our hope that through these efforts, we have a meaningful impact on our Members and our local communities, for the benefit of all. 17
20 18 RCU is committed to providing exceptional personal service and ensuring our Members security, privacy and confidentiality.
21 It s about... Security In the early days of financial institutions, the definition of financial security was a reliable lock on a strong safe. Today we live in a technology-driven age where there is reliance on computers for everything from direct deposit and bill pay to withdrawing money at ATMs, shopping with debit and credit cards at merchants and making purchases online. Redwood Credit Union is committed to partnering with our Members for their enhanced security, privacy and confidentiality. We take extensive, proactive measures to ensure the safety and security of our Members data and information, as well as our facilities, technology, software and online services. We also partner with Members so they can better protect themselves and their personal information. We provide free education and information via seminars, newsletter articles, fraud updates, e-alerts, and online information, tools and resources. We also host security-focused events, such as free shred-a-thons, to allow Members and the community to safely dispose of their private and confidential documents and attend free identity theft protection seminars. Through these measures, our Members benefit from enhanced protection and security and more peace of mind, too. 19
22 Redwood Credit Union is committed to partnering for environmental sustainability. RCU received a LEED certification for our green efforts in our Administrative Offices & Branch in Santa Rosa. 20 Pictured L to R: Rob Cantu, general contractor, Western Builders Brett Martinez, RCU s President & CEO Tony Battaglia, architect, Archumana, Inc
23 It s about... Sustainability Today we hear a lot about companies going green. At Redwood Credit Union, we have long been committed to green practices and being a socially responsible organization that contributes to a sustainable community and environment for generations to come. Some of our green efforts include: s We use recycled business supplies, most materials are printed on recycled paper using earth-friendly inks and processes, and we maintain a recycling program at all our locations s Our Santa Rosa Administrative facility achieved Silver level LEED certification for the remodel of our 1960s-era building. The remodel included using recycled materials, recycling existing building materials, utilizing environmentally-friendly landscaping and restrooms (saving approximately 2 million gallons of water each year), and utilizing clerestories and stepped lighting technology, making use of natural light that is energy-efficient s We provide environmentally-friendly services such as online banking, bill pay, electronic statements, discounts on hybrid/electric and fuel-efficient vehicle loans, solar loans and more s We encourage Members to participate in energy saving and sustainable living practices s We provide helpful sustainable living/green information and resources on our website at redwoodcu.org/green and at other contact points Redwood Credit Union has been recognized with numerous awards for these efforts but the real reward is in knowing we ve done the right thing, and are contributing to a sustainable future for our Members, employees, communities, environment and future generations. 21
24 22 We are honored our Members feel pride in belonging to RCU.
25 It s about... Pride It happens all the time. When RCU employees and Officials are in the community, we hear enthusiastic reactions such as, I m a Redwood Credit Union Member! and I love Redwood Credit Union! While passionately serving Members is what we do, we admit to being both pleased and a bit surprised to hear Members love us but we re honored each time we hear it. It especially fills us with pride knowing we re making a difference in our Members lives and our Members are proud to be owners of their financial cooperative. It s rewarding to hear Members share stories with others about how we ve helped them buy a house or car, get out of debt, use credit wisely, start a business, send a child to college, or save for a secure retirement. It s exciting to know Members have pride in belonging to Redwood Credit Union. And they should what they have created together is making a difference in the lives of others every day, and we re honored to be a part of it. 23
26 24 RCU is committed to assisting our Members achieve their financial goals and dreams.
27 It s about... Time We hope you ve enjoyed getting to know Redwood Credit Union, and we appreciate the time you ve taken to read our story. If you are already a Member, we thank you for your participation, and for being a Member and owner of our cooperative. We encourage you to share the good news about the service and value of credit union membership with your family and friends so they, too, can benefit. If you re not a Member, we invite you to join today. We encourage you to take time now to switch to RCU so that you can enjoy the benefits of our financial cooperative. We ll make your transition simple, fast, and hassle-free. And we ll provide you with products and services you want and need, so you can begin saving and benefiting immediately. We look forward to helping you achieve your financial goals, financial well-being and a brighter future for you and your family. We are honored to serve you. 25
28 1 (800) s redwoodcu.org Deposits Federally Insured by NCUA 55% Eco-Friendly PRINTING Printed with soy-based inks on paper from a responsible source
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