1. vvvvvvvvvvvvtrc Sonoma County Grange Credit Union
Interest Rates
Loan Type APR*
New & Used Auto 1.97%
Tractor 2.75%
Signature 5.49%
Share Secured 2.49%
Credit Card-Purchase 8.99%
Credit Card-Transfer 5.99%
Home Equity Loan 5.99%
Home Mortgage Variable &
Fixed Rates
Reverse Mortgages Variable &
Fixed Rates
Share Certificates APY*
12 Month .30%
18 Month .40%
24 Month .50%
36 Month .60%
*APR= Annual Percentage Rate shown based
on excellent credit qualification
*APY= Annual Percentage Yield
Rates are subject to change without notice
Contact our office for all other rate
information
Board of Directors
The Credit Union’s board of directors are all unpaid volunteers who are dedicated to
promoting the success of the organization. They meet each month to discuss credit union
business, monitor financial performance and provide guidance and direction to the staff.
Each board member spends approximately 10 hours per month devoted to credit union
business. The term for a board member is 3 years. We appreciate their dedication and
work on our behalf! Board members are elected at the annual meeting. Our next annual
meeting is scheduled for 11:00am on March 28, 2015 at the credit union. There will be
three board seats up for election. Nominations may be submitted until March 1 before the
meeting. For information on the nominating process, please call us at 707-584-0384.
Local Resources
Important Dates
January 19
Martin Luther King Jr Day -
Office Closed
February 16th
Presidents Day - Office Closed
You walk your dog anyway ...
now,
every mile you walk,
we donate to your
FarmsReach founded in 2007 has been
helping farmers purchase supplies, sell
goods and connect and share knowledge
to all types of farmers in California. They
know running a farm isn’t easy. Farmers
face the daily challenge of wearing multiple
hats and trying to run a business dependent
on the weather and volatile markets. FarmsReach provides practical tools, services, and
connections so farmers can learn from each other and optimize their operations. For more
information visit FarmsReach.com
WoofTrax, creates fundraising opportunities for shelters
and rescues while encouraging dogs and their humans to
exercise together regularly through the Walk for a Dog
mobile app. Download the app from Wooftrax.com and
for every mile you walk they donate, it’s that easy! Support
your local animal organization simply by walking your dog!
Use the app each time you grab for the leash. It’s healthy for you, your dog, and your
favorite shelter or rescue including two Sonoma County animal organizations.
Your savings federally insured
to at least $250,000 and
backed by the full faith and
credit of the United States
Government.
GRANGECREDITUNION
Sonoma County
As a member of the not for profit Grange Credit Union cooperative, you control how the
business is run. Join us at our annual meeting and voice your opinion while democratically
voting for our Board of Directors. This ownership stake also means every decision we
make is focused on you our members and no one else!

2. The Grange Credit Union is proud to announce
that we will now be offering fixed and variable rate
Home Mortgages to better serve the needs of our
members. In addition Grange Credit Union will now
be offering Reverse Mortgages, offering both fixed
and variable rates as well as Home Equity Lines of
Credit.
New Products and Services
Mortgage Options
Apple Pay
Giveaways
Congratulations
and thank you to
our Ipad Giveaway
winner Cynthia
Gamino for refering
a friend to the
Grange Credit
Union!
Your next opportunity
to win big will be
coming in the month
of January!
Follow our Facebook for all the information on
our Scavenger Cash Hunt.
We will be hiding $100 a day for a week, or
maybe two, around town. You don’t even need
to be a member just be the first one to find
the money! Clues will be released daily on our
Facebook Page.
Office Location
304 Sutton Place
Santa Rosa CA 95407
(707) 584-0384
Monday - Friday
9 am - 4 pm
Online Banking 24/7
www.grangecu.org
Our Mission
Grange Credit Union is a family
oriented financial cooperative
dedicated to providing its Grange
and agri-business association
members financial security through
dividends of savings and low
rates on loans. Financial services
are designed to be responsive to
members needs and are delivered
in a professional, personalized, and
trusting manner.
8.000"
Get ready to pay with your Grange Credit Union
Visa® card using Apple Pay™ on iPhone 6®
To see how Apple Pay lets you pay in an easy,
secure, private way, visit apple.com/apple-pay
See other side for details…
Coming soon …
a new way to pay
EMV (Europay, Mastercard,
Visa) chip active cards allow
for increased security and
easier use of the card while traveling.
EMV chips, similiar to Apple Pay, use a
sophisticated cryptogram commonly
used to validate data integrity, which
enables dynamic authentication. “The
creation of dynamic cryptograms
for every transaction with online
authentication is an important
feature of chip cards that provide
enhanced levels of security,” said
Randy Vanderhoof, director of the EMV
Migration Forum. “Using this process
means that even if fraudsters were
somehow able to steal account data
from chip transactions, they would not
be able to use it to create a counterfeit
card and have fraudulent transactions
authorized in a chip or magnetic stripe
environment.” As your Grange Credit
Union cards expire we will be updating
all of them to EMV.
EMV Chips
Coming Soon.... a new way to pay.
Members will soon be able to use all their Grange
Credit Union cards on their Apple device to make easy
and secure payments anywhere. Use the security of
TouchIDTM
to pay with a single touch. Accepted at
hundreds of thousands of stores, Apple Pay is a more
secure way to use your credit card. A newly developed
tokenization system means neither Apple nor the
merchant receives your personal information. This new
system means a safer way for all to pay! We will be
updating members as soon as the service is available
for our Visa program. In the meantime, visit
apple.com/apple-pay for more information.
Scan for Facebook
Free Bag Fridays!
Stop by the office on any
Friday until March and
receive a free reusable tote
bag. Help us reduce waste
and save some money at the
grocery story with this handy
free shopping bag!
GRANGECREDITUNION
Sonoma County

3. This year, make sure your taxes are done right and get a chance to win big. Try any
TurboTax® Online product for free and you will be entered into the TurboTax $25K
Giveway.
• All you need to know is yourself. TurboTax translates taxes into simple
questions about your life and puts everything in the right forms for you.
• You won’t miss a thing. TurboTax searches over 350 deductions and
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Start TurboTax now for free and be entered for an opportunity to win!
Save up to $15 on TurboTax®
federal products.
Significant Statistics for 2014
1. Milk production is up 3.8% in the United States, and average
production per cow is up 52lbs from 2013. The number of cow
head per farm is also increasing in the United States from past
years. Source: USDA
2. From 2011 to 2014, farmers’
use of social media increased at
different paces.
Source: Successful Farming Farmers’ Use of Media 2011
Study and Technology in Ag February 2014 Study
3. In the past year, 7 million piglets died from PEDv, that’s nearly 10% of the country’s pigs.
Source: National Pork Producers Council
4. In 2013, 20% of farmers used cover crops. In the future, 38% plan to implement cover
crops on their farm.
Source: Successful Farming Seed Study 2013
5. In Sonoma County grapes repesent about 61% of the county’s total agriculture.
Source: Sonoma Wine
6. Women head up more than 1 million U.S. farms, which is roughly 30% of the total.
Source: Monsanto
“The soil is the great connector
of lives, the source and
destination of all. It is the healer
and restorer and resurrector, by
which disease passes into health,
age into youth, death into life.
Without proper care for it we
can have no community, because
without proper care for it we can
have no life.”
- Wendell Berry
“Organic is something we can
all partake of and benefit from.
When we demand organic, we
are demanding poison-free
food. We are demanding clean
air. We are demanding pure,
fresh water. We are demanding
soil that is free to do its job and
seeds that are free of toxins. We
are demanding that our children
be protected from harm. We
all need to bite the bullet ...
we must make organic the
conventional choice and not the
exception available only to the
rich and educated.”
- Maria Rodale
Enter the TurboTax $25K Giveaway!
Farm Bureau Members Receive
Discounts on Local Wine:
Matanzas Creek - 20% Off
Korbel Champagne - 25% Off
Robert Young Estate- 30% Off
Visist sonomafb.org for the all
information
and a
complete
list of over
45 winery
discounts.
GRANGECREDITUNION
SonomaCounty
David Williams, a Certified Financial Planner, will be giving a free seminar on Financial
Literacy focused on estate planning. This seminar will take place in January, please visit
grangecu.org or call 707-584-0384 for more information on the date and time of this event.

4. • Holidays in Healdsburg Wine and Foodie Walking Tour: Nov 22 - Jan 31rst
• Organic Seed Alliance presents, Fundamentals of Seed Production and Variety: Jan 10th
• BR Cohn Winery presents, Olive Curing Workshop with Don Landis: Jan 11th
• Wine Road presents, 23rd
Annural Winter Wineland: Jan 17-18th
• California Rare Fruit Growers presents, Scion Exchange: Jan 24th
• 4-H County Presentation Day: Feb 7th
• Farm Bureau presents, 26th
Annual Crab and Wine Fest: Feb 7th
• The Farmers Guild presents, 2nd
Annual Guild Raising: Feb 14th
• Bennett Valley Grange presents, Spring Time in the Vinyard Song & Dance Benefit: Feb 22nd
• Wine Road presents, 37th
Annual Barrel Tasting: March 6-8th
, 13-15th
• Sonoma County Farm Bureua presents, Ag Days: March 17-18th
• 4-H Fashion Reveu, Fashion in Wonderland: March 21rst
• 4-H 5th
Annual Pancake Breakfast: March 29th
• 4-H Chickenque: May 3rd
• Farm Trails presents, BBQ, Brews and Barn Dance: May 30th
Contact us or go online for all hours and location informatiom.
GRANGECREDITUNION
Sonoma County
Your Local Events
8.99%*
on purchases
5.99%*
on balance transfersGrange Credit Union
Visa®
Platinum Card meets or
beats the best rates in town!
Don’t miss out on this free
no fee credit card!
* Annual Percentage Rate Based on Excellent
Credit Score
304 Sutton Place
Santa Rosa CA, 95407