Fall 2025 RRCU Chronicle

CEO Report

Message from the CEO

To Members,

I’m excited to begin with an update on our transformative partnership with A&M Texarkana. After thoughtful consideration and extensive negotiations, RRCU secured naming rights for both the new Football Stadium and the Center for Financial Literacy and Investment—alongside our investment in the University’s new Athletic Complex. This collaboration is more than a sponsorship; it’s a strategic alliance that will shape the future of Texarkana and throughout our field of membership, with RRCU playing a central role.

Here's how this partnership directly benefits you as a member:

• Save Thousands on Tuition: Members who maintain a $500 direct deposit or complete at least four debit card transactions per month receive a 33% discount on tuition at A&M Texarkana—making higher education dramatically more affordable.
• Free Financial Literacy Resources: All members gain complimentary access to the new Center for Financial Literacy, empowering you with tools for smarter financial decisions.
• Tax Season Support: Enjoy free tax preparation at many RRCU branch locations during tax season. More details will be shared early next year.
  Exclusive Game Day Perks: Join us for RRCU Game Day with discounted tickets and member-only activities throughout the day.
• On-Campus Convenience: A new kiosk and ITM will be available in the University complex for easy access to your accounts.
• Curriculum Collaboration: RRCU is working directly with the University to develop and promote financial education programs, ensuring long-term impact for students and the community.

With a large portion of our membership based in the Texarkana region, this partnership is a powerful step toward regional growth and prosperity.

As we look ahead, I want to remind everyone to stay alert to potential fraud. Criminals are increasingly targeting account holders at financial institutions with deceptive texts, emails, and phone calls. If you ever receive a suspicious or unexpected message claiming to be from RRCU, please call our main number or visit a branch. We’re continually enhancing our systems to detect fraud and protect your money—so you can bank with confidence. Your ongoing caution plays a vital role in keeping your accounts secure.

Wishing you a joyful fall and holiday season. Thank you for being a valued member of RRCU.

Warm regards,
Bradley Bailey
President/CEO
 

International Credit Union Day

International Credit Union Day is Coming

Celebrate "Cooperation for a Prosperous World" on International Credit Union (ICU) Day® 2025 

On Thursday, October 16th, credit unions in our community and worldwide will come together to celebrate International Credit Union Day® and the role that financial cooperatives play in improving the communities they serve and the lives of their members. This year’s theme is “Cooperation for a Prosperous World”. With the United Nations declaring 2025 the International Year of Cooperatives under the theme “Building a Better World Together”, the ICU Day 2025 theme purposefully mirrors that to promote the ways credit unions help people across the globe achieve more prosperity and well-being through cooperative finance.

ICU Day 2025 is a celebration of the impact credit unions and other financial cooperatives have made—and continue to make for their members. It is also a chance to be thankful for the lives and communities that have been improved by our movement.

All credit unions share a common goal to offer access to affordable financial services to their members and provide even the most financially disadvantaged the tools and the opportunities to be financially self-sufficient. Making life choices and dreams a reality is the credit union difference that makes a real impact in our world.

Credit unions are unique because they are not-for-profit, democratically controlled, member-owned cooperatives. Credit unions pool their members’ assets to provide low-cost loans and other financial services in the best interest of the members, not to earn shareholder profits. The credit union movement’s cooperative spirit is embraced by 411 million members served by more than 74,000 credit unions in 104 countries worldwide.

Stellar member service and democratic control are just some of the many benefits of being a credit union or cooperative member. That is as true of credit unions in our field of membership as it is in other cooperatively owned financial institutions from Armenia to Zimbabwe. Credit unions and other financial cooperatives are founded on community service, a principle that has set them apart for more than 150 years.

This year we celebrate 77 years of International Credit Union Day®. We hope everyone will join us in celebrating the credit union difference, our proud cooperative heritage and the wonderful opportunities credit unions and other financial cooperatives offer members of our community every day.

On Oct. 16th, RRCU will host a Member Appreciation Day with refreshments in our branch lobbies. Our Summerhill branch in Texarkana, TX will also host a Shred Day from 2PM to 5PM (service provided by Sustainable Services). We hope to see you at one of our locations!

Learn more at International Credit Union (ICU) Day | World Council of Credit Unions. #ICUDay

Copyright 2025 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved. 

Holiday Loans are Back!

Apply online, in person, or give us a call at 903-735-3149 today!

Introducing Living 50+ with Nook

RRCU is thrilled to announce the upcoming launch of Living 50+ with Nook, a new digital experience designed exclusively for our members aged 50 and above. This initiative is the result of a strategic partnership between Red River Credit Union and Nook CUSO, Inc.

Living 50+ will feature a magazine-style website that delivers curated content, timely offers, and personalized calls-to-action tailored to the interests and needs of our 50+ community. From Medicare plan guidance to seasonal financial tips, the platform is built to inform, engage, and empower.

The site is scheduled to launch the second week of October, with an introductory email announcing its availability. Stay tuned!

New Debit Card Designs

Coming Soon: A Fresh Look for Your RRCU Visa Debit Card!

We’ve heard you — and we’ve listened.

To better serve our members, RRCU is moving to directly to Visa for debit card processing, eliminating the middleman, and giving your debit card the freedom to soar like never before.

As part of this exciting transition happening October 22nd, we’re unveiling a brand-new RRCU Visa Debit Card design that reflects the strength, simplicity, and innovation of this upgrade.

What does this mean for you?

• Your current card will continue to work at merchants.
• When your card renews, you’ll automatically receive the new design.
• When you receive the new card design, you will need to reset your pin with Visa – but it can be set as your current PIN. This is part of a more secure experience for you.

If you want to upgrade to the new card design prior to your renewal, stop by you nearest branch location after October 22nd. This change empowers us to offer faster service, better support, and more control — all while keeping your experience smooth and secure.

In April we began our Digital Transformation, and we’re excited to extend new digital experiences to your debit card. Stay tuned for additional features and functionalities to be rolled out soon.

RRCU Financial Services

Navigate Medicare Plan options with confidence!

Our experienced agents specialize in Medicare plans, ensuring that you grasp the benefits, coverage, and costs tied to each option. Our goal is to provide you with peace of mind by assisting you in selecting a plan that may best align with your health needs and financial circumstances.
Meet our licensed agents.

By choosing RRCU Financial Services, you are choosing a partner who values your health and financial well-being. Let us help you navigate the complexities of Medicare with confidence and ease. Reach out to our knowledgeable agents today and take the first step towards a secure and informed healthcare future. Each of our licensed agents has completed and continues to pursue ongoing education to assist residents in the following states: Texas, Arkansas, Mississippi, Louisiana, and Oklahoma.

• Shay Strawn - Sr. Financial Services Consultant
• Mark E. Lingle - RRCU Financial Services Representative

Contact us today for a consultation and allow us to guide you toward a secure healthcare future. Call 903-735-3016 or visit RRCU Financial Services | Red River Credit Union for more information.

Contact a licensed agent today by calling 903-735-3132 or visit our website at https://www.rrcu.com/financial-services today!

* Insurance offered to Red River Credit Union members through Red River Member Service Group, LLC dba RRCU Financial Services is a wholly owned subsidiary of Red River Employees Federal Credit Union. Financial services and insurance products are available to credit union members but not provided by or guaranteed by Red River Employees Credit Union. RRCU Financial Services is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 Medicare to get information on all your options.

Fraud

RRCU Fraud Fighter’s Handbook

Staying educated on fraud scams is one of the best ways to protect yourself from becoming a victim. Of nearly 2.4 million fraud reports made in recent years, 26% indicated money was lost. An important aspect of fraud prevention is staying aware of current scams, because fraudsters are constantly finding new and different ways to trick people out of money.

Fraudsters Target the Weakest Link: Humans

Using common channels like emails, text, and phone calls, fraudsters typically disguise their identity while retrieving confidential member information. They use tactics to succeed by tugging at the basic human instinct to trust and please. Scams are designed to catch people off-guard because that is when they are more likely to make security mistakes, give away sensitive information, or even send money.

Regardless of the channel used, fraudsters are crafty. They use innovative schemes to pressure people into making decisions on the spot. Their multi-channel approach looks for victims who find their stories convincing because it increases the odds a victim will voluntarily click on links or share sensitive information. This information can be used to authorize and transact many types of transactions.

Detection, Prevention and Protection

Scams are often hard to detect at a quick glance; however, these common red flags can help. Keep in mind…it is not uncommon for fraudsters to use intimidation tactics and urgent requests.

We encourage members to follow the tips below:

• Don’t always trust the name. Criminals will spoof an email name to appear to be a legitimate sender.
• Check for misspelled words, bad grammar, and/or typos in messages.
• Be cautious of clicking links and opening attachments. Don’t click unless you are confident of the sender or are expecting the attachment.
• Do not provide personal or account information on social media platforms. Doing so could provide the necessary information to impersonate you or answer some challenge questions.
• Be suspicious of “urgent” or “immediate” response needed or “unauthorized login attempt” messages. If you have signed up to receive specific notifications, make sure you are familiar with the sender and the content. Even if you have signed up, always use caution.
• If something seems suspicious, contact the source with a new email or phone call, rather than just responding directly to the email, text, or call.
• Never share anything related to your credit union account, transactional history, or identifying information in an unprotected forum or by sending with an unprotected method.
• Check for new Fraud Alert notifications at www.rrcu.com, our mobile app, and on RRCU’s social media.

RRCU is committed to educating members on fraud, because knowledge gives you the power to take action. As fraudsters get more sophisticated in the ways they exploit technology and humans, it is even more important to know what to look for, take the right actions, and remain vigilant.

Community Corner

2025 Awards

We are excited about the recognition and support for RRCU and the following branches:

• Hunt County Readers' Choice 2025 - "Best Mortgage Services."

Wake Village Tailgate Event September 5th.

Hwy 59 Donation Drive for LEISD student athletes.

Sulphur Springs branch celebrated National Cheeseburger Day with Outdoor Power.
 

Paris Member Appreciation Day

Paris Member Appreciation Day Winner,  Paul Sherwood

Paris Member Appreciation Day Winner,  Jaqueline Woods

Paris Member Appreciation Day Winner,  Agustin Cruz