Dear CommonRoots Federal Credit Union Member,

We are excited to share some important news about the future of your credit union. After careful consideration, the Boards of Directors of CommonRoots Federal Credit Union and Christian Family Credit Union are proposing a merger that we believe will bring tremendous benefits to you, our valued member.

This partnership is rooted in a shared mission: to serve members with excellence, strengthen financial well-being, and live out our values of faith, trust, and community. By joining forces, we will build a stronger credit union with greater resources, expanded services, and more opportunities to support your financial goals.

Why This Merger Benefits You—

  • More Products & Services – Gain access to expanded loan programs (ie. Student loans and adoption loans), competitive deposit products, and new digital banking tools (ie online direct links and vehicle research tools).
  • Enhanced Member Experience – A larger team of professionals dedicated to providing personalized and faster friendly service you can trust.
  • Greater Financial Strength – Together, we’ll form a stronger, more resilient institution, ensuring long-term stability and growth.
  • Shared Values – Both credit unions are faith-based organizations committed to serving our members and communities with integrity and care.

Importantly, your membership, your accounts, and your trusted relationships remain intact. You will continue to enjoy the same personal service you value today, with even more benefits tomorrow.

Your Voice Matters and Every Member has a vote!

As a member-owner of CommonRoots FCU, your vote is essential. By approving this merger, you are helping us create a brighter future for our members, staff, and community.

Voting Details:

  • When: September 26, 2025- November 14, 2025 by 10:30am
  • How: online, by mail, or in person (done by a third party and no one will know how you voted)
  • Deadline: November 14, 2025, by 10:30am

Together, we can build a credit union that is stronger, more innovative, and better equipped to serve you and your family for years to come. We urge you to vote YES to approve this exciting partnership.

For more information please visit www.commonrootsfcu.com under the Merger Tab.

Thank you for your continued trust and membership.

With gratitude,

CommonRoots Federal Credit Union Board