Dear Members, 

We’re asking our Members 1st Credit Union members to vote to approve a merger with Rogue Credit Union.  As a cooperative, your vote is a powerful way to ensure your voice is heard. It is my privilege to provide you with information to help you make the best decision for your family and community.

On September 22, 2025, we will be holding a Special Meeting of the Members. Between now and September 22, 2025, you will have the opportunity to vote on this partnership.

A Unique Partnership, Benefitting Membership

After careful consideration and due diligence, the Board of Directors and Leadership Team at Members 1st Credit Union strongly believes that partnering with Rogue Credit Union ensures we can offer our members the best possible products and services while keeping our local roots. Like Members 1st, Rogue has a rich history of supporting the communities we serve, driving excellence in service, and building financial strength. The joining of two strong credit unions strengthens our resilience in our communities, ensuring long-term support and sustainability for our members in the North State. 

What are the Benefits?

This partnership will not only provide members with access to expanded products and services, but the strength, stability and resources of a larger organization. We are excited about many good things to come:

• More Access to Service with a combined branch network of 29 full-service locations in Northern CA, Oregon and Idaho, and enhanced hours of operation
• More product options such as interest or rewards checking and money market accounts
• Improved Digital Services
• Business Banking and Loans
• Increased Mortgage Lending Options
• Investment Services & Financial Education Resources
• Expanded Career Opportunities for Employees and the community
• Enhanced Systems, Fraud Monitoring, and Information Security
• Participation in Rogue Rewards^TM which has paid out over $150 Million to their members as rewards for their participation at the credit union 

We’re Here for You

Our employees are the heart of the credit union and are key to providing you with exceptional service. After the partnership is approved, you’ll continue to see the same familiar faces at your local branch and support location. 

Values and Vision

Rogue Credit Union was chosen as our partner because we share the same values – a small town community focus, and a dedication to providing members with unsurpassed service. This partnership will protect credit union services to rural communities in northern California, Oregon, and western Idaho.

Enclosed with this letter you will find a list of some of our most frequently asked questions. You can find additional information at www.m1cu.org/merger. If you have questions regarding the merger or the voting process, we’re here to help. Contact us at LeadershipListens@m1cu.org or give us a call at 530-222-6060.

Sincerely,

Caroline Redmann, CEO

Members 1st Credit Union