Spring 2025 RRCU Chronicle

Letter from our CEO

Dear Members:

Red River’s digital transformation is advancing rapidly as we prepare for the core system conversion scheduled for the weekend of April 4th through 7th. Our core conversion team has dedicated over a year of hard work to ensure the success of this transition, and our staff has been diligently training on the new software. This state-of-the-art technology will enable us to roll out enhanced financial tools designed to improve your experience, including faster account openings, simplified loan applications, seamless payment options, and advanced fraud prevention features, among others. Both our board and staff are excited to usher in this new era of banking at RRCU.

One area of ongoing concern is the persistent threat of fraud that continues to target our members. While we are fortunate to intercept most fraudulent activity, there are occasions when some attempts make it through. We need your help in protecting your accounts. Text message scams are becoming more prevalent. If you receive a suspicious text, please carefully examine the web address provided. It is likely unfamiliar and may include "Red River CU" or "RRCU" embedded within it. Similarly, fraudulent calls may appear to come from RRCU, but it’s always best to hang up and call us directly at 903-735-300 to ensure the number hasn't been spoofed. Additionally, we encourage you to access your account using your standard, secure methods rather than trusting unsolicited links or phone calls. Taking these precautions will help prevent significant inconvenience and potential financial loss.

As we continue to move forward this year, you’ll also notice our staff actively engaging with and supporting local events. Our commitment to giving back to the communities we serve remains a cornerstone of our vision and culture. If you happen to be at one of these events, please stop by to connect with our dedicated team.

Lastly, I want to express my heartfelt gratitude for your continued trust and support of Red River Credit Union as your financial partner. Our vision—"We Are Here for You in All Stages of Life"—remains at the core of everything we do. I wish you a safe and enjoyable summer.

Sincerely,
Brad Bailey
CEO

Get the Most out of Teal Advantage!

Teal Advantage with TeleHealth and Relationship Pricing

Teal Advantage¹ includes enhanced benefits to help you and your family save. Two feature benefits are Telehealth and Relationship Pricing.

Spotlight Benefits:

• Telehealth² – Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family—all with zero copays and no surprise bills.  (registration/activation required.)
• Teal Advantage with Relationship Pricing³ – With a Teal Advantage Direct Deposit Account, you are eligible for a .25% APR discount on future auto, personal, or recreational loans and more!

To learn more about your Teal Advantage account, visit us at Compare Checking Accounts | Red River Credit Union (rrcu.com).

¹ Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools, and their employees/students.
² Available for the account holder and their spouse/domestic partner and up to six (6) dependent children ages 2 and older. This is not insurance. For a complete list of conditions treated through this benefit, you can visit https://www.doctegrity.com/what-we-treat/
³ Teal Advantage Account Owners are eligible for a 0.25% discount on the then current annual percentage rate (APR) for closed-end consumer loans obtained after account opening, provided direct deposits totaling at least $1,000 have been posted to the membership within the 62 days prior to the date of loan application submission. To receive the discount, the primary borrower must be an owner on an open Teal Advantage Account. Teal Advantage Account ownership does not guarantee loan approval. Discount does not apply to mortgage loans.

RRCU Gives: Special Offer on Water Park Season Passes!

We're excited to announce that RRCU Gives is offering season passes for the Texarkana, Shreveport, and Greenville water parks – and they're available for just $59.99!

Here's the best part:

• No expiration date on this price!
• No matter the regular price for season passes at the water park, RRCU members can still purchase them at the special rate of $59.99 for as long as they buy from us.

These passes are available for any member at most lobby branches.

Don’t miss out on this unbeatable deal – come grab your season pass from an RRCU branch today!

Tuition Discount for Members!

Empower Your Future with Lifelong Learning

It's time to register for classes at TAMU-T! Apply today and access the TAMU-T Tuition Discount and embark on a journey of educational excellence with RRCU's support.

To qualify, RRCU members must:

• Maintain Good Standing
• Have an Active Personal Checking Account (Basic Checking, Teal Advantage, or Varsity Checking)
• Meet Either Criteria within the last 30 days:
  • Receive at least $500 in direct deposits, or
  • Conduct a minimum of five debit card swipes using their RRCU checking account.

By fulfilling these requirements, members unlock valuable financial support for their education at TAMU-T, reflecting RRCU's commitment to lifelong learning and academic success.

CLICK HERE For details and to Request the Discount.

Let Your Friends Know About RRCU

It’s a great time to 
Refer Friends and Both Earn $100 Incentive Cards¹
(Up to $500 per year)

What Do You Do?
Members, CLICK HERE to get started or ask an RRCU associate to help you refer someone you know, anywhere in the United States. You'll need their email address.

What Do They Do?
Each person you refer will receive an email to get them qualified, which includes:

• Register with ReferLive (Unique link provided in the email)
• Open a new RRCU personal checking account (Basic or Teal Advantage)
• Complete at least two Direct Deposits totaling $500 or more within 65 days

It’s that easy!    

When your friend completes the requirements within 65 days, you both will be mailed a $100 Visa® Incentive Card!

1-Terms & Conditions apply and are available at RRCU.com/refer or upon request at your local RRCU branch.
Please allow 4-6 weeks for delivery of your Incentive Card after completing all offer requirements.
ReferLive is a trademark of CustomerStream, LLC.

Notice of Annual Business Meeting 2025

Red River Employees Federal Credit Union's 82nd Annual Meeting will be held Tuesday, April 15, 2025, 6:00 p.m., in the lobby at the Summerhill Road Office located at 4405 Summerhill Road Texarkana, TX.

The Business Meeting will be strictly business; there will be no entertainment, give-a-ways, or prize drawings; the election will be by acclamation since there were no nominations submitted by petition.
  
In accordance with the credit union bylaws, the Nominating Committee of Red River Employees Federal Credit Union filed the following individuals to serve three-year terms: Mike Jones, Annette Lynch, and Robert E. Sheppard. Bios are available in the RRCU Winter Newsletter.

The 2024 Annual Report will be available on our website, and copies will be available at your nearest branch lobby after the meeting date.

On behalf of the Board of Directors, Management and Staff, please accept our appreciation for your membership as we pledge to continue this level of service to you and your families.

Non-Visa Debit Transaction Disclosure

Red River Employees Credit Union has enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN.  

The non-Visa debit network for which such transactions are enabled is Accel.

Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include: signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include: initiating a payment directly with the biller (possibly via telephone, internet or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network and having your identity verified using known information derived from an existing relationship with you instead of through the use of a PIN.

The provision of your agreement with us relating only to Visa transactions is not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

How to Spot Fraud and Protect Yourself

Scammers use evolving tactics like smishing (fraudulent texts), phishing (emails with suspicious links), vishing (impersonation calls), and social media or e-commerce scams to deceive individuals and businesses.

What to Look For:

• Urgent texts or emails with links or threats.
• Impersonation calls from "legitimate" companies like the IRS.
• Fake websites or social media profiles.

How to Avoid Fraud:

• Verify senders, links, and contact info. Hover over links to check validity.
• Use strong, unique passwords and enable two-factor authentication (2FA).
• Monitor accounts for unusual activity and set up transaction alerts.
• Avoid public Wi-Fi for sensitive tasks and keep devices secure with antivirus software.

Stay Alert:
Be cautious of job offers, online relationships, or investments that involve moving money. Protect your information and verify legitimacy before acting. Click here for more!

Community Corner

2025 Awards

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

• ALT Magazine's Readers' Choice 2025 - "Best Credit Union"
• Four States Living Magazine Readers' Choice 2025 - "Best Credit Union"
• Paris News Readers' Choice 2025 - "Best Credit Union" in Lamar County
  • Melanie Palmer - Best Loan Officer in Lamar County

Branch News