Community First, since 1959, has been Doing Good!
Why Voting is Important?
“Voting is your civic duty.” A common sentiment, especially each November as Election Day approaches. But it is more than that. 

In a democracy, you have the right to elect your representatives; locally, statewide, and nationally. As a Member of this not-for-profit credit union, you also vote on who sits on our Board and Supervisory Committee. All 60,000 Members of Community First have a vote. 

Typically, national elections get most of the attention during an election year, but the real action is with our local election. Who we vote in as our sheriff, district attorney, supervisors, mayors, and the many other public offices affect how your taxes will be spent, the quality of your child’s education, the safety of your neighborhood, and the overall well-being of your community. 

Depending on where you live, you will have officials to elect and propositions and measures to pass, or not pass. 

To help inform you what will be on the ballot this fall, here are a few links to state and local ballots. 

Here is a list of the California 2020 ballot propositions. These will be on every Californian’s ballot. 

For those in Lake County, here is your election information

For those in Marin County, here is your election information

For those in Mendocino County, here is your election information

For those in Napa County, here is your election information

For those in Sonoma County, here is your election information.  

Check your voter registration status or register to vote here
 Cost-Recovery Schedule Makes First Changes in Nearly 3 Years
At nearly all banks and credit unions, there is a fee schedule. At Community First it’s a cost-recovery schedule.

The difference? At banks, fees are a profit center. They charge not necessary what an item or service costs, but what the market will bear. For example, Wells, BofA, Chase, et. al., charge $36 for non-sufficient funds, better known as a “bounced check.” They charge $36 because focus-group research shows them that is the very maximum they can charge without you getting so mad you pull your account!

At Community First, we merely recover the cost ($26 in the case of non-sufficient funds), so that an individual’s adverse actions aren’t subsidized by other Members. That’s fair. That’s simple. And it’s consistent with the mentality of this financial co-op.

What did change after nearly three years? Hardly anything, except for business checking accounts. For businesses we’ve added minimum average balances to avoid the monthly fee. We also will start charging business accounts for counting currency and coins. 

Kindly see the new Cost-Recovery Schedule above …
“Waiting Package” Phishing Scam
Have you heard of the “waiting package” phishing scam? It is one of the newest scams. 

A scammer sends a text message saying there is a package waiting for you, and asks you to click the link to learn more. Sounds believable, right? Unfortunately, it not always is.  

Increasingly, these messages are coming from scammers, taking advantage of the surge in online shopping. 

No matter the message, the rule stays the same: if you get an unexpected text message about a package, do not click on any links. If you believe the message could be legit, contact the company using a website or phone number you know is real. Do not use the information in the text message. 

Choosing to click on a link gives them the opportunity to trick you into giving your personal information, such as passwords, account numbers, or credit card information. Clicking these links could also let scammers download malware onto your device. 

If you receive a phishing text, forward it to SPAM (7726). You’ll receive an automated message from your wireless carrier, asking you to enter the phone number from which the spam text was sent. Afterwards, you can report it to the FTC at
PO Box 6004,
Santa Rosa, CA 95406