Summer 2026 RRCU Chronicle

Summer 2026 CEO Report

A Message from the CEO: Looking Ahead to the Second Half of 2026
 

Dear Members,

As we move into the second half of 2026, I want to take a moment to thank our members, employees, and communities for making this another strong and successful year for Red River Credit Union. We appreciate your continued trust and support, we have maintained positive growth across many areas of the credit union while staying focused on our mission of improving the financial well-being of those we serve.

Throughout the first half of the year, we continued investing in products, services, technology, and community initiatives that make banking easier and more valuable for our members. We introduced new programs, expanded lending opportunities, enhanced our digital banking experience, and continued strengthening our fraud prevention and financial education efforts.

Looking ahead, we are excited about several initiatives that will continue to enhance the member experience. Members can expect additional digital banking enhancements, new financial wellness resources, expanded fraud protection services, and ongoing investments in products designed to meet the evolving needs of individuals, families, and businesses. We also remain committed to supporting our communities through financial education programs, scholarships, RRCU Gives foundation, and local partnerships across our service area. 

While the financial services industry continues to evolve, our commitment remains the same: providing exceptional service, sound financial solutions, and a member-first experience. We are optimistic about the opportunities ahead and look forward to finishing 2026 strong together.

Thank you for being part of the Red River Credit Union family.

Sincerely,
Brad Bailey
President/CEO

TAMUT Tuition Discount - Fall Classes!

Empower Your Future with Lifelong Learning Now for Fall!

It's time to register for classes at TAMU-T! Apply to 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.

Original ATM in DeQueen, AR Going Away

Our old ATM on Collin Raye Drive will go out of service on September 15th. Don't worry, you won't have to go far for your cash and deposits. Stop by our new, convenient RRCU ITM/ATM just down the street at 117 Hwy 71 N (around the corner from the old spot). We look forward to serving you at our new location!

Digital Assurance

RRCU is making it easier than ever to access your funds with Digital Issuance Debit Cards, designed for speed, convenience, and peace of mind. Whether you have opened a new checking account or need a replacement card, you can receive a digital debit card in minutes directly through the RRCU app, all without visiting a branch.

With instant access, you can quickly add your card to your mobile wallet and begin making purchases the same day. It is a simple, one-step process that allows you to start using your card digitally while your physical card is being mailed to you.

The RRCU app also gives you complete control over your card. You can manage settings, set up alerts, and monitor your transactions anytime and anywhere. Tokenization is used as enhanced security to protect your information by ensuring your actual 16-digit card number is never shared with merchants during transactions.

Your physical card will still be mailed to the address on file for everyday use. Digital Issuance provides flexibility, security, and immediate access you need to keep moving without interruption.

Rosey is Available 24/7!

Give, our Digital Assistant, Rosey, a call at (903)735-3000 anytime, including holidays. Rosey handled 97,201 chats and 69% of calls in May, freeing up agents for uncommon issues. Spanish Rosey is also ready for your call.

Key Benefits

• Uninterrupted Service: Access banking services anytime, beyond traditional hours.
• Enhanced Convenience: Perform tasks like checking balances, transferring funds, and account unlocks at any time.
• Immediate Assistance: Get issues resolved promptly, even outside regular business hours.

An intuitive user experience. Rosey is part of RRCU’s commitment to innovation and member service, ensuring members have the tools they need to manage their finances effectively.

New ITM Locations Coming Soon!

Texarkana: We have added a second ITM to the 9th Street Express location (right next to Cooper Tire) to cut down your wait times.

Fouke: Get ready, Fouke, AR! A brand-new RRCU ITM is coming soon to your community.

Show me the Carfax

Our credit union provides a CARFAX Vehicle History Report™ to help protect our members from salvage, total loss, structural damage, lemon, and flood vehicles. Your branch representative will be happy to share a CARFAX Vehicle History Report with you.

Click here to learn more!

RRCU Awards 10 Scholarships to Outstanding Senior Students

RRCU is honored to celebrate this year’s scholarship recipients, awarding ten $1,500 scholarships to exceptional graduating seniors. This initiative reflects our continued dedication to uplifting students and investing in the future of our community. Through this program, we aim to support students as they take the exciting next step toward higher education and expand their understanding of financial wellness.  

This year’s honorees include: Chloey Lindsey (Bossier High School), Astha Bhusal (Greenville High School), Haley Grimes (Rivercrest High School), Adalyn Tyson (Queen City High School), Kennedy Warner (Pleasant Grove High School), Miranda Alvarez (Linden Kildare High School), Madison Nickleberry (Texas High School), Taylor Dees (Mcleod High School), Leslie Garcia (Liberty Eylau High School), and Remington Clayton (Atlanta High School).

Recipients are selected every year based on their academic performance, leadership contributions, and dedication to serving their communities. Each student stood out among a strong group of applicants, demonstrating qualities that align with RRCU’s commitment to growth, responsibility, and excellence.

RRCU’s Financial Education Advocate, Naque Stephens, said, "Each of these students have such a bright future ahead of them and I'm honored that RRCU can be a part of their journey. I am proud of their dedication to their community, their education, and to financial wellness. I'm excited to see where this next step leads each of them!"

Scholarship funds will help offset the cost of tuition and other educational expenses as recipients begin their college journeys. RRCU remains passionate about creating pathways for student success and strengthening the communities we serve through impactful educational opportunities. Schools participating in initiatives such as Reality Fairs, community engagement events, or class financial education presentations provide their seniors with eligibility to apply for these scholarships.

Recap of Annual Business Meeting

Red River Employees Federal Credit Union held its 83rd Annual Meeting on Tuesday, April 14, 2026, 6:00 p.m., in the lobby of our Summerhill Road Office located at 4405 Summerhill Road, Texarkana, TX.

The election of Board Directors’ seats available were filled by acclamation since there were no nominations submitted by petition. In accordance with the credit union bylaws, the following individuals will serve three-year terms: Frank Buchanan, Selena Jefferies, and David Walls.

The 2025 Annual Report can be viewed and printed HERE.

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.

Plan Ahead Today for Peace of Mind Tomorrow

Why It Matters

Without a joint owner, POD (Payable on Death) or beneficiary, accounts may need to go through the estate process, requiring additional documentation and time before funds can be accessed. Planning ahead helps avoid unnecessary stress and delays.

Taking a few simple steps now can make a difficult time much easier for your loved ones later. At Red River Credit Union, we’re here to help you prepare with confidence.

Make Your Wishes Clear

• A fast, simple and free way to help your loved ones after you pass is by adding them as a POD to your accounts so funds can transfer directly—no delays or legal complications, just a death certificate.
• Keep your account information organized and let a trusted person know where to find it when the time comes.

Put a Plan in Place

RRCU Financial Services also offers Final Expense Life Insurance to cover arrangements. Click here for other life insurance options through Rin.

Protect What You’ve Built

Coming this summer! Carefull Monitoring (launching this summer for 65+) will help safeguard your accounts (RRCU and other FIs) from fraud and identity theft—giving you and your family added peace of mind. All from the RRCU Digital App.

We’re Here for You

A little preparation today can make all the difference tomorrow. If you’d like help setting up PODs or learn more Life Insurance options, give us a call at 903-735-3000.

Fraud Fighter's Handbook

Cryptocurrency Fraud
Cryptocurrency has moved from a niche technology to a mainstream financial topic, and with that growth has come a surge in sophisticated fraud schemes targeting everyday consumers. The most important takeaway for members is simple: crypto transactions are fast, irreversible, and attractive to scammers, which makes awareness the strongest defense.

The Rise of Crypto Based Scams 
Criminals increasingly use digital assets because they can move money quickly and anonymously. According to the Federal Trade Commission, consumers reported over $1 billion in crypto related losses in a recent 12-month period.

The most common patterns include:

• Investment scams — Fraudsters promise guaranteed returns, “insider” opportunities, or automated trading systems. Once money is transferred, the platform disappears or blocks withdrawals.
• Impersonation scams — Scammers pose as government agencies, tech support, or even credit union staff, insisting that members must pay fees or resolve issues using cryptocurrency.
• Romance scams — Criminals build online relationships and then pressure victims to “invest together” in fraudulent crypto platforms.
• Phishing and account takeover attacks — Fake emails, texts, or websites trick members into revealing login credentials for crypto exchanges or digital wallets.

Why Crypto Is a Prime Target for Fraudsters

• Irreversible transfers — Once crypto is sent, there is no chargeback or dispute process.
• Anonymity — Scammers can hide behind wallet addresses instead of bank accounts.
• High public interest — Many consumers are curious but unfamiliar with how crypto works, making them easier to manipulate.
• 24/7 global markets — Fraud can happen at any hour, across borders, with no central authority to intervene.

Red Flags Members Should Watch For

• Pressure to act immediately
• Requests to pay in crypto for taxes, fees, or debts
• Unsolicited investment opportunities
•  Promises of guaranteed or unusually high returns
• Instructions to keep the transaction secret
• Being asked to install remote access software

We encourage you to pause and verify before sending funds. A quick call to the credit union can prevent irreversible losses.

If You Suspect Fraud

• Stop all communication with the scammer
• Document all messages, receipts, and wallet addresses
• Report the incident to the credit union
• File a report with the FTC, IC3.gov, or local law enforcement
• Change passwords and enable multi-factor authentication on all accounts

While recovering lost crypto is extremely difficult, early reporting helps prevent further harm and supports broader fraud prevention efforts.

Key Message 

Cryptocurrency is an evolving financial frontier, but the fundamentals of fraud prevention remain the same: slow down, verify, and never send money—crypto or otherwise—to someone you don’t fully trust. Red River Credit Union is a partner in member safety, and staying informed is the strongest shield against emerging scams.

Community Corner

2026 Awards

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

• Clarksdale Press Register - "Best Credit Union"