Dear Members,

At RT Federal Credit Union, growth has always been part of who we are. Because of your loyalty and trust, we continue to evolve, improve, and look ahead to the future. I am excited to share that we will soon be completing a full system upgrade designed to strengthen our foundation and support the next chapter of our journey together.

A total system upgrade is one of the most significant changes a credit union can undertake. Like any season of growth, it brings both excitement and adjustment. While there may be moments of transition, this upgrade is rooted in our mission and our motto, Together We Grow. We are making these changes to better serve you today and for years to come.

Here are just a few of the improvements you can look forward to:

• A refreshed online and mobile banking experience with the features you already enjoy, including credit monitoring, account transfers, and mobile check deposit, all on a smoother, more visually appealing platform.
• More control at your fingertips. You will be able to set your own travel notices, pause your debit card, place stop payments, and manage more of your account with ease.
• A transition to a live system, allowing you to see account and debit card transactions instantly in online and mobile banking.
• A new debit card design featuring tap to pay technology for added convenience.
• Enhanced security features to further protect your personal information, because your security will always remain one of our highest priorities.

With a change of this size, there may be minor inconveniences. Some services may be temporarily offline, and branches may close briefly to allow the upgrade to take place. Our team has been preparing carefully to minimize disruptions, and we will communicate all important dates and details well in advance. We will also provide regular updates on our website to ensure the smoothest transition possible.

This investment in our systems is an investment in you. Banking should be simple, secure, and supportive of your financial goals. We are continually looking for ways to improve your experience and help your financial future grow and flourish.

Thank you for your continued trust and membership. We are grateful to grow alongside you and look forward to sharing these exciting improvements in the months ahead. If you have any questions, our team is always here and happy to help.

Sincerely,
Tracy Worden
Chief Executive Officer