September 2019 Newsletter


Join Us For The 2019 Fruita Fall Festival

Join us Friday, September 27th through Sunday, September 29th for the annual Fruita Fall Festival! Live music, street vendors, and fun activities for the entire family! Western Rockies will be hosting a drawing at the Festival for gift cards from local Fruita businesses like Chow Down pet supplies, Hot Tomato Pizza, several local coffee shops and restaurants, RHEMA Clothing and Music, and more!

This is a free, all ages, event located in Downtown Fruita, CO. 

Don't Miss The Outhouse Races On Friday!
Western Rockies is sponsoring the Outhouse Races at the Fruita Fall Festival. Don't miss this hilarious and exciting event on Friday, September 27th at 5:00 pm. 


What are the outhouse races?
Teams from local businesses construct race-able outhouses. These outhouses have to hold one team member, while 4 other team members push the outhouse (on wheels) to the other side of the relay and back. This is a hilarious event and you don't want to miss it!


  • Receive 10,000 bonus points ($100) with your Visa Real Rewards Card! That’s 2,500 “standard” and 7,500 “special” bonus points for the first time you use your card*.
  • Redeem these points for a $100 statement credit or other fabulous rewards**!
  • To qualify for this promotion you must apply between May 1 and September 30, 2019, and use your card for purchases by November 30, 2019.


If you are interested in this promotion and would like to apply, please complete the form in the link below and a loan officer will reach out to you shortly to begin the application process.

Head Back to class with $200 CASH when you switch to SPRINT!

Members can get a $100 cash reward deposited into their account for every new line activated with Sprint, now available on unlimited lines!


  1. Open an account or add a new line to your existing account and mention that you're a credit union member.
  2. Cash rewards will be deposited directly into your credit union account within six to eight weeks.



Register now to receive a $100 loyalty cash reward every year starting one year after registration.
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7 Ways to Protect Your Credit Score

Your credit score is a three-digit number that creditors use to assess how likely you are to repay your loans. A high score can help you qualify for the lowest interest rates and gives you the ability to borrow money for purchases. Here are seven things you can do to make sure your credit score stays healthy:
1. Pay back your debts on time.
How you’ve repaid past debt is the most important factor (35%) in calculating your credit score.
2. Apply for new credit only when you need it.
Ten percent of your credit score is determined by how many new credit accounts you’ve opened and the number of times lenders have checked your credit. Another 15% of your score is determined by the length of your credit history. When you add a new account into the mix, the average age of your credit accounts drops.
3. Don't co-sign.
Be cautious about co-signing a loan, even for family members, unless you are willing and able to take on the payments later, if necessary. If a payment is missed and you don’t pay it, it can negatively affect your credit score.
4. Consider keeping starter cards open.
Cards designed for people without a credit history, called starter cards, usually have high interest rates and fees, low limits and few rewards. Even though you’ve stopped using them, it’s a good idea to keep them open. This will help the 15% of your score that comes from the length of your credit history. It also will help the even bigger part (30%) of your score that’s based on your utilization ratio: your credit card debt relative to your total available credit.
5. Guard your personal information.
Be very careful when giving out your Social Security number, birth date, credit card numbers, and other personal information. Use secure websites and be cautious on phone calls. Don’t leave paperwork with this information on it lying around—shred it.
6. Regularly monitor all your accounts.
Even if you don’t use them, check each account to make sure there aren't charges, such as annual fees, and that no one is fraudulently using your card. Order a free credit report from, the only site sanctioned by the Federal Trade Commission. Stagger your reports from the three reporting agencies so that you get one report every four months.
7. Stay diligent.
Make sure that the good credit score you’ve worked so hard to build stays that way.


Looking For Our Current Rates?

Subject to credit approval. The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, see your Card member Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Points expire five years from the end of the quarter in which they are earned. *Card member will receive a bonus of 7,500 points upon first purchase, which is in addition to the standard 2,500 points awarded after a first purchase, for a total of 10,000 initial points. In order to qualify, the first purchase must be made by November 30, 2019. This offer is valid only for new Visa® Real Rewards consumer accounts with this Financial Institution and the application must be submitted between May 1 - September 30, 2019, through a branch office or call center. Please allow 6 - 8 weeks after the spend requirement has been met for the bonus points to be credited to the account .The 2,500 “standard” bonus points and the 7,500 “special ”bonus points may be awarded in separate billing cycles. This offer excludes business products and is also not valid on College Real Rewards or the employee product. **Reward points can be redeemed for a cash deposit to a checking or savings account held at this Financial Institution within seven business days or as a statement credit to their account within one to two billing cycles. The creditor and issuer of this card is Elan Financial Services, pursuant to a license from VisaU.S.A. Inc.

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