Northern Redwood Federal Credit Union

11/01/2026

🍂 Fall into a better auto rate!

Whether you’re refinancing from another financial institution or purchasing a new vehicle, Northern Redwood FCU can help you explore your options!

Already have an auto loan elsewhere? If our standard rate doesn’t beat your current APR, you may qualify for up to 2 percentage points off the rate you’re paying now.*

✨ BONUS: No payments ’til 2027 on qualifying loans!*

Apply at northernredwoodfcu.org or contact our lending team.

Subject to credit approval and membership eligibility. The current-rate reduction applies only to qualifying auto loans refinanced from another financial institution; current APR must be verified. Minimum promotional APR is 4.49%, which may limit the reduction. Purchase rates depend on credit qualifications and loan terms. Deferred payment eligibility and first payment date depend on loan terms. Terms and restrictions apply.

10/30/2026

Financial Tip Friday: Brew Up a Better Emergency Fund!

No magic spells needed to protect your wallet from life's unexpected surprises! 🔮

Whether it's a surprise car repair, an unexpected medical bill, or a household emergency, having a little money tucked away can keep a financial scare from turning into a full-blown nightmare! 👻

🪄 Here's the recipe for a little savings magic:

🎃 Start Small: Even $5 or $10 each payday can help you build your savings potion!

💚 Make It Automatic: Set up automatic transfers so your savings grow without you having to think about it.

🐈‍⬛ Keep It Separate: Stash your emergency fund in a separate savings account so you're not tempted to dip into it for everyday purchases.

✨ Remember, you don't need a magic wand to build financial security. Just a little planning, consistency, and patience!

🧡 Start brewing up your emergency fund today!

From all of us at Northern Redwood FCU, have a safe and Happy Halloween! 🎃👻

10/26/2026

🎃👻 GATHER WITH US… IF YOU DARE! 🦇💜

Join us for Northern Redwood FCU's Annual Meeting! We're bringing the Halloween spirit with treats, raffle prizes, and a chance to win our CASH GRAND PRIZE! 💰🎉

📅 Thursday, October 29th
⏰ 6:00 PM
📍 Arcata Branch – 1270 Giuntoli Lane

Want to increase your chances of winning our grand prize?
👻 Bring a friend = 1 EXTRA grand prize ticket!
🎃 Wear a costume = 1 EXTRA grand prize ticket!
✨ Do BOTH = 2 EXTRA tickets!

Come enjoy some snacks, connect with your credit union, and celebrate another year with us!

💚 We can't wait to see you there!

Extra grand prize tickets are available to members only. Limit two extra tickets per member. Must be present to win. Raffle tickets available for purchase. No purchase necessary for the grand prize.

10/23/2026

Financial Tip Friday: Don't Get Tangled in the Minimum Payment Web!🕸️

Paying just the minimum might seem harmless, but interest can keep you tangled up in debt longer than you think!

🕷️ Here's how to escape the web:

💚 Pay more than the minimum whenever possible.

🎃 Avoid adding new charges while paying down your balance.

👻 Focus on paying down high-interest debt first.

🕸️ Even a little extra each month can make a BIG difference over time!

Don't let interest creep up on you. Take control of your credit card debt, one payment at a time!

10/20/2026

🎃 High rates scaring you?

Treat yourself to a better auto loan rate with Northern Redwood FCU! If our standard rate doesn’t beat the APR you’re paying elsewhere, you may qualify for up to 2 percentage points off your current APR.*

🎁 BONUS: No payments ’til 2027!*

Same car. Less scary rate. Apply to see what you could save!

Visit northernredwoodfcu.org or contact our lending team.

Subject to credit approval and membership eligibility. Available on qualifying auto loans refinanced from another financial institution. Current APR must be verified. Promotional APR will not be below 4.49%, which may limit the rate reduction. Deferred payment eligibility and first payment date are subject to loan terms. Terms and restrictions apply.

From our new Online Banking service, to Mobile Money, your credit union is ready to offer you innovative services that fit your busy lifestyle.

10/17/2026

👻🚗 Financial Tip Friday: Creep It Real With Your Car Payment! 🎃

Your car payment shouldn't be the scariest part of your monthly budget! 😱

Between insurance, gas, maintenance, and registration, owning a vehicle can add up quickly. But here's one expense you might be able to do something about… your interest rate! 💰

🎃 HIGH RATES SCARING YOU?

Northern Redwood FCU is here to help you escape those frightening auto loan rates!

🚘 Refinance your current auto loan
💚 See if we can beat your existing rate
👻 If we can't beat your rate, we may be able to lower it by up to 2 percentage points!*
🎁 BONUS: No payments until 2027!*

Don't let a scary interest rate haunt your budget. A lower rate could mean less interest paid and more money staying in your pocket!

🍂 Apply today and see what you could save!

Terms and conditions apply. Floor rate of 4.49%. Subject to credit approval and eligibility requirements. Deferred payments accrue interest. Contact Northern Redwood FCU for complete promotion details.

10/15/2026

Give your budget a little breathing room this holiday season!

Our Holiday Skip-A-Pay is back! Eligible members can skip their November, December, or January loan payment.

Make a little extra room for holiday plans, seasonal expenses, or whatever life brings.

Contact NRFCU to request an application!

*Eligibility requirements, application fee, and approval apply. Skipped payments are deferred, not forgiven, and interest continues to accrue.

10/14/2026

🎃 High rates scaring you? Treat yourself to a better auto loan rate!

Have an auto loan with another lender? Bring it to Northern Redwood FCU! If our standard rate doesn’t beat your current APR, you may qualify for up to 2 percentage points off the rate you’re paying now.*

Same car. Less scary rate. 👻🚗

Apply to see what you could save!
Visit northernredwoodfcu.org or contact our lending team.

*Subject to credit approval and membership eligibility. Offer applies to qualifying auto loans refinanced from another financial institution or new purchase. Current APR must be verified. Promotional APR will not be below 4.49%; the floor may limit the reduction to less than 2 percentage points. Terms and restrictions apply.

10/02/2026

🎃 Gourd Your Money! 🎃

This spooky season, don’t let scammers get their hands on your hard-earned cash. 👻💸

A suspicious text, unexpected email, or too-good-to-be-true offer could be more trick than treat. 🍬 Before you click, share information, or send money, take a second look.

🔐 Protect your information
👀 Keep an eye on your accounts
📱 Think before you click
🎃 And keep your money YOURS!

A little caution can go a long way toward keeping those shady characters out of your financial pumpkin patch.