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A Holiday Season Message from Jeff Kennedy, CEO

Dear Members,

I hope this message finds you well.

This year flew by quickly! It feels like just yesterday that we welcomed in 2024. Over the last year, we've seen and been a part of incredibly positive change in our communities. As we enter the season of giving, I'd like to take time to express gratitude toward you, our members, for choosing us as your financial institution. I'd also like to give a big thanks to our Board of Directors, Supervisory Committee members, team members for their hard work and dedication.

They say the journey of a thousand steps starts with only one. As we approach 2025, we look forward to the successes and changes ahead, and taking the next step together.

Sincerely,
Jeff Kennedy, CEO