RGCU Profile – Cabezon 2Click to Skip 2RGCU Service Awards 2Giving Tree 2,3

RGCU Cares 2, 3Golf Recap 3Help the Red Cross 3Healthiest Credit Union 3

Bill Pay Update 3President’s Letter 4 Shared Branching 4IRA Withholding 4

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2016

On Wednesday, September 24, after a ribbon cutting ceremony featuring Rio Rancho Mayor Greg Hull and Rio Grande Credit Union Board Chair Lucy Sedillo, the Cabezon branch was opened for business. “This credit union is perfectly positioned to serve the live, work, play lifestyle we have in Rio Rancho,” remarked Mayor Hull.

“The new branch is at the northeast corner of Unser and Cabezon, wisely located near Dion’s,” mentioned VP of Marketing Bill Daily. Also in attendance at the ribbon cutting were representatives from US Senator Martin Heinrich’s office, US Representative Ben Ray Lujan’s office, many CDFI partners, and Rio Rancho Regional Chamber of Commerce members.

The following Saturday, the Cabezon Branch held its “Grande Opening” for the people of Rio Rancho. “What a great day for Rio Grande!” exclaimed Tony of morning show Jackie, Tony and Donnie from 100.3 The Peak. “Rio Rancho needs a place with deep New Mexico roots.” “Some people even opened up new accounts,” remarked Branch Manager April Bradshaw. [See profile on April inside.] Once the celebration wound down, CEO Chris Fitzgerald summarized, “We’ve served over 400 hamburgers, 200 hot dogs, and tons of shaved ice. I think this branch is officially open now!” We invite you to meet April and her crew at Cabezon today.

MEMBER BUSINESS SHOWC ASEInside the new Cabezon Branch is a showcase for our member’s businesses. Monte Vista Pet Lodge, jewelry artist Craig Kelly, and The Wheels Museum are the businesses on display this quarter. If you have a business account with Rio Grande Credit Union and would like to show off your product or service, please emailmarketing riograndecu.org.(Some restrictions apply and RGCU management reserves all rights.)

CABEZON IS OPEN!

It’s something that puts a spring into everyone’s step – Skip-a-Pay! This year, loans eligible for Skip-a-Pay will be listed inside the home banking system. Simply log in to your RGCU home banking to find a list of your loans that are Skip-a-Pay eligible. Then, simply “click to skip.” Starting October 17, the cost to Skip-a-Pay is $20 per skip, which is different than last year’s cost. We’ll send a letter to eligible borrowers in October to provide further details on the new Skip-a-Pay process. If you need to register for home baking, please call us at 505.262.1401.

Everyone’s favorite holiday gift drive is back! The Giving Tree returns to Rio Grande Credit Union from November 28 through Friday, December 16. Members are welcome to sign out a gift tag from the Giving Tree and return with toys and clothes for the Children’s Miracle Network.

DAM TO DAMSupporting the efforts of RunFit, RGCU employees participated in the 2016 Dam to Dam Run on August 28th.Special thanks to Joshua Coletta, Diane Sanchez, Lorraine Strosnider, and Jason Gonzalez.

RGCU WinsService AwardsOn August 29, at the Credit Union Associationof New Mexico (CUANM) Leadership Conference,CUANM President Paul Stull announced thatRio Grande Credit Union won two state level serviceawards. “This is a positive recognition for all we do to giveback to New Mexico,” said RGCU CEO Chris Fitzgerald.“Living the credit union philosophy of ‘people helpingpeople’ helps us stay true to our New Mexico roots.”

The Credit Union’s “3rd Annual Rio Grande Credit UnionGolf Classic” earned the Dora Maxwell Award forits social responsibility project within the community.The annual golf classic provided a new avenue for theCredit Union to support an organization that plays avaluable role in our community. Following the eventthe Credit Union presented a check for $5,000 toSiete Del Norte and $3,000 to the South ValleyEconomic Development Center.

The Credit Union received the Louise HerringPhilosophy-in-Action Member Service Award for the success of the Prosperity Kids Program. Rio Grande Credit Union and Prosperity Works partnered to create the program which teaches children and their families how to save money and prepare for a brighter future. 560 Prosperity Kids accounts have been opened since the program began.

Just Click to Skip

April Bradshaw – Cabezon Branch A native New Mexican, April Bradshaw hasdiscovered that working at Rio Grande CreditUnion lets her make a difference in the lives ofour members, fellow employees and hercommunity. April has been a part of the RGCU family since 2008, holding leadership positions in the Mortgage Department and at the San Pedro Branch. She now manages the new Cabezon branch.

April’s favorite experiences include helping members and their families become financially stable while achieving their financial goals – from building savings to building houses and everything in between.

April stated, “Our members have one less worry in their life because Rio Grande can be their trusted financial partner. And I get to contribute to that effort every day. That’s really what keeps me springing out of bed on Monday mornings.”

GIVING TREE

BILL PAY UPDATEIn November, we’ll perform an upgrade to the RGCUBill Payment system based on feedback from our members.The new system – called “OneClick” – is scheduled to go livein mid-November. Look for a “service upgrade” email fromRio Grande Credit Union around November 8. This email will walk you through the process of paying recurring bills, paying other people, and finding useful “how to” videos. We’ll also have rollout updates available through riograndecu.org and our Facebook page.

Golf Tourney RecapOn Thursday, September 22, Paa-Ko Ridge Golf Club was hostto Rio Grande Credit Union members, employees, supportersand business partners participating in the 4th AnnualRio Grande Golf Classic. Over 85 golfers and 24 sponsors helped raise more than $15,000 for Prosperity Works programs. “Rio Grande Credit Union has always been a reliable community partner. Not only are they the fiduciary for our Prosperity Kids accounts, they’ve gone above and beyond with this fundraiser to keep these accounts going,” remarked Prosperity Works Executive Director Ona Porter. RGCU thanks our many sponsors and players for supporting this cause

HELP THE RED CROSS.Buy a 100 Year Anniversary PinThis year is the 100th Anniversary of the New Mexico Chapter of theAmerican Red Cross. From Monday, October 31 through Friday, November 18, Rio Grande Credit Union will be selling a 100 Year Anniversary Pin to help raise funds to support installation of smoke detectors in neighborhood homes that have been identified as a possible fire risk. “A community partner like Rio Grande Credit Union really helps us get the word out about fire prevention and fire safety,” stated Brandon Barela, Major Gifts Officer for the American Red Cross. To purchase your 100 Year Pin, please stop by one of your local Rio Grande Credit Union branches.

L ADY LOBOS C AMPIn July RGCU employees participated in the Lady Lobos Camp. This camp directly supports the Send-A-Kid program which helps underprivileged kids attend UNM Lobo football games. It was a howling good time.

RESILIENCE RUNOn August 6,the RGCU team of Myles Kloer, LeRoy Martinez, Rebecca Pierre, and Beverly Luna participated in the 4th Annual Resilience Run, a run dedicated to honoring Pueblo Indian history.

NIGHT OUT AGAINST CRIMEOn August 1st, RGCU was out in force to help support the Los Volcanes Neighborhood Association with their annual Night Out Against Crime.

RGCU MAKES TOP 200 HEALTHIEST CREDIT UNIONS – AGAIN!But this year,there’s a twist.In 2016, RioGrande CreditUnion has not only made the Top 200 Healthiest Credit Union list, it’s ranked as the healthiest credit union in New Mexico. RGCU was also only 1 of 64 credit unions nationwide to make the list in consecutive years. Over 6,000 credit unions are examined every year and the “Top 200” list highlights those that have shown exceptional fiduciary responsibility. More information can be found at depositaccounts.com.

OneClick

A MESSAGE FROMTHE PRESIDENT

Dear Members,

It’s been an exciting time at Rio Grande Credit Union! In late August we had the grand opening of our Cabezon Branch, a state-of-the-art facility that serves members in northwest Albuquerque and Rio Rancho. It was amazing to see how many of you came by to help celebrate this event. We heard great comments about the convenience and ambiance. Our 6th branch is truly a crown jewel!

During the summer, DepositAccounts.com once again choose RGCU as one of the Top 200 Healthiest Credit Unions. This news is something that reflects the hard work that has gone into growing Rio Grande Credit Union. Your Credit Union continues to out-perform our competition and offer a safe and secure financial package to all of us. Read more about our ranking on page 3.

In September, we were notified by the Credit Union Association of New Mexico that RGCU won both the Dora Maxwell and the Louise Herring awards for the state of New Mexico! Each of these awards are prestigious; details are in the article on page 2. As the winner in our state, we will now move forward to the national level and see if Rio Grande Credit Union can once again receive national recognition.

All of these announcements are truly exciting, but it is just a small part of the characteristics that RGCU continues to build. Our belief is simple. We have a responsibility to offer our members a comprehensive package of products that are priced appropriately and to always provide the best possible service. We also have a social responsibility that compels us to make a difference within our community. This was the premise for founding credit unions so many years ago and Rio Grande Credit Union still takes it to heart!

Once again, a big thank you for your valued membership. Without your support, noneof this would be possible. We look forward to serving your financial needs for many years to come.

Sincerely,

Chris Fitzgerald, President/CEO

Payments from your IRA aresubject to federal incometax withholding unless youelect no withholding. You maychange your withholding election at any timeprior to your receipt of a payment. To change your withholding election, complete the appropriate form provided at any Rio Grande Credit Union location. Withholding from IRA payments, when combined with other withholding, MAY relieve you from paying estimated income taxes. However, your withholding election does not affect the amount of income tax paid. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

directoryB O A R D O F D I R E C T O R SLucy P. Sedillo, Board ChairCynthia Borrego, First Vice ChairMark Sanchez, Second Vice ChairDaniel J. Mayfield, Secretary/TreasurerDianne M. Brown, DirectorRon B. Maestas, DirectorIrene Serna, Director

S U P E R V I S O R Y C O M M I T T E ESusan H. Biernacki, ChairPatricia French, MemberLisa Wilson, Member

S E N I O R M A N A G E M E N TChris Fitzgerald, President/CEORusty Fisher, Chief Financial OfficerMike Athens, VP OperationsLily Currin, VP Human ResourcesChris Samborski, VP Sales and ServiceBill Daily, VP Marketing and Member Experience

locations & hoursR I O B R AV O B R A N C H301 Rio Bravo Blvd. SE

S A N P E D R O B R A N C H1401 San Pedro NE

D O W N T O W N B R A N C H1211 4th Street NW

C A B E Z O N B R A N C H1526 Unser Blvd. SE

W E S T S I D E B R A N C H485 Coors Blvd. NW

L O M A S B R A N C H10001 Lomas Blvd. NE

Lobby HoursMon-Thurs 9:00 AM - 5:00 PMFriday 9:00 AM - 5:30 PMSaturday 9:00 AM - 1:00 PM

Drive-Thru HoursMon-Thurs 8:30 AM - 5:30 PMFriday 8:30 AM - 6:00 PMSaturday 9:00 AM - 1:00 PM

holiday closingsAll RGCU branches will be closed on the following holiday:

O C T O B E R 10 Columbus DayN O V E M B E R 11 Veterans DayN O V E M B E R 24 Thanksgiving DayD E C E M B E R 26 Christmas (observed)J A N U A R Y 2 New Year’s

contact informationMember Resource Center505.262.1401 | 877.761.5136

TellerPhone24-hour automated service505.265.4926

riograndecu.org

F E D E R A L LY I N S U R E D B Y N C U A

STEP INSIDEFOR SHAREDBR ANCHINGTo help prevent incidents of identity theft, Shared Branching services are now available only in the branch lobby. If you use RGCU for Shared Branching, please step inside – we may even have coffee for you.