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letter from the President

learning and growing

No matter how much time has passed, saying goodbye to summer always reminds me of sending my daughter, Olivia, back to school. There were tears and the usual nerves that come with a new routine, but once she settled in, I was amazed by the excitement in her voice as she shared everything she’d learned on the car ride home.

That memory reminds me that change can be a little unsettling — but it also brings opportunities to learn and grow.

I thought of that lesson recently when I nearly became a victim of fraud. One afternoon, I received a call from someone claiming to represent a non-profit supporting families of injured police officers. As the spouse of an officer, I was ready to help. But when they asked for my credit card information, I hesitated. I asked for their request in writing — and later learned it was a scam.

stronger together

how protecting yourself helps your credit union protect you

Fraud is everywhere these days — from phishing emails to unexpected credit card charges — and it can feel overwhelming to keep up. At Canopy Credit Union, our top priority is keeping your money safe. The great news is that your funds are federally insured for up to $250,000 by the National Credit Union Association (NCUA). That means if you’re a victim of fraud, your money is protected. But here’s the truth: protecting your accounts is a team effort. If sensitive information — like your credit card number, PIN, or wire instructions — is shared willingly, those funds are no longer insured. Once that information is disclosed, your credit union’s ability to safeguard your money becomes very limited.

That’s why taking steps to safeguard your personal information is vital. By being skeptical and protective of your information, your credit union can do more to keep your funds secure — and respond quickly when fraudsters attack.

back to school, back to budget: smart money moves for every age

As backpacks come out of closets and routines settle, fall is the perfect time for your kids to ace their budgeting skills. Whether your child is just starting to understand the value of a dollar, your teen is managing their first job, or you’re heading off to college, Canopy has great tips, accounts, and tools to support every stage of your financial life!

For Kids: Make Finances Fun

At Canopy Credit Union, we believe finances should be fun — and the sooner kids connect with money, the better. One of the biggest barriers to lifelong financial wellness is discomfort around money conversations. By making saving approachable now, you’re setting your child up for confidence and success later in life. Here are a few simple ways to build financial confidence at home:

member highlight:

you belong here

If there’s one face everyone recognizes at Canopy Credit Union, it’s Jan. A Spokane local and member since 1975, Jan has witnessed Canopy’s growth over the decades. But what keeps him coming back isn’t just our services or products; it’s the personal connections he has with our team.

Every week, Jan stops by our Mallon branch for his deposits and a cup of coffee, greeting staff by name and sharing a smile. He even says hello to Charlotte Nemec, our CEO/President, and brings flowers to staff on their birthdays. “Canopy never lost its personal touch,” he says, and his loyalty proves it.

Members like Jan aren’t just numbers, they’re part of our community. It’s that sense of belonging that keeps him managing his cleaning business and home loan with us. For nearly 50 years, the relationships he values have kept him coming back — and they will for many more.

Interested in free financial coaching?

Our Business Development Specialist, Barin, can meet with you one-on-one or lead group sessions! Whether you’re looking to provide financial coaching for your staff or for yourself, Canopy has you covered.

For more information, call Barin at 509.323.1343 today!

learn more about financial coaching

upcoming closures

All Canopy branches will be closed the following days:

Veterans Day - Tuesday, November 11
Thanksgiving - Thursday, November 27 & Friday, November 28

Remember: many services are available 24/7 through ATMs, our mobile app or online banking at canopycu.com.

learn more about Canopy Wealth Management

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Canopy Credit Union and Canopy Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Canopy Wealth Management and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Canopy Credit Union or Canopy Wealth Management. Securities and insurance offered through LPL or its affiliates are:

NOT INSURED BY NCUA OR ANY OTHER GOVERNMENT AGENCY

NOT CREDIT UNION GUARANTEED

NOT CREDIT UNION DEPOSITS OR OBLIGATIONS

MAY LOSE VALUE

quick links:

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Federally insured by NCUA

Canopy Credit Union | 509.328.2900 | www.canopycu.com

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