October 17, 2019 is International Credit Union Day, a time to celebrate the many good things credit unions do for their communities and the people living in them. This year, ICU Day celebrates the spirit ofthe global credit union movement with the theme Local Service, Global Reach. We’ll have coloring sheets and refreshments in the branches on October 17. Pay us a visit!

Did You Know?

REDDY’s

DIYCostume IdeasWant to rock your next Halloween party? Instead of spending money on a store-bought costume everyone will have, save money and win at creativity by making your own costume! Here are some easy tips:

Pick a theme. The best way to start a costume is to decide what you want to create. Pick something, someone, or a favorite character you would enjoy being. Do you love superheroes? Create your own! What about mythical creatures or a famous person from history? Use your imagination and choose something sure to impress.

Get ideas. Ask your parents to help you look for costume ideas online and in magazines. Save your ideas in a folder on your computer or print them out and glue them to a poster board.

Look for pieces around the house. Before hitting the stores, check around the house for any free materials you could use for your costume. Old clothes from family members, cardboard, paint, pillow cases, and accessories are all great ways to get started. Don’t be afraid to repurpose pieces of old costumes too! Ask your friends and neighbors if they have anything you could have or borrow for your costume.

Get shopping! You’ll probably have to buy some things for your costume, but before you head to the higher-priced costume stores, check out your local thrift shops. They’re a great place to find used costume pieces or other items to help complete your outfit. The Dollar Store is another great option. You can turn it into a scavenger hunt, while saving money!

Put it all together. Once you have all your pieces, start putting them together. Ask your parents for help cutting and securing pieces of your costume. They may also have greatideas to help with the construction.

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CelebrateInternational Credit Union Day

October 17, 2019

CelebrateInternational Credit Union Day

October 17, 2019

With a little time and effort and a lot of creativity, youcan easily have the best costume of the year—

without spending a lot of money. Now that’s a treat!

This Guide Belongs to:

name

An official Jr. Ranger and Member of

redwoodcu.org/youth(707) 545-40001 (800) 479-7928 Federally insured by NCUA

Caramel Apple Bites

Steps: 1. Slice apples into wedges and insert lollipop stick lengthwise. 2. Fill each muffin well with a topping. Here are some ideas: brown sugar & cinnamon, mini marshmallows, chopped nuts, graham cracker crumbs, chocolate chips, peanut butter chips. 3. Dip apple slice into warm chocolate or caramel and then into topping wells of your choice. Enjoy!

Tired of the same old snacks? This holiday season, try making someof your own with this easy fall treat. Grab your parents, yummy apples, and your favorite toppings.

Ingredients: • Apples • Lollipop sticks (Target and Walmart have them) • Warm caramel or chocolate • Muffin pan filled with ingredients of your choice

Tip: To prevent apples from turning brown, dip apple wedges in a carbonated drink (which contains citric acid) such as ginger ale, or lemon-lime soda (Sprite).

Raking with Reddy MazeHelp Reddy clean up the yard by raking the leavesto the giant leaf pile. Don’t forget to watch out forthe windy spotsalong the way!

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Superheroes are not just for Halloween! You can be a superhero any day of the year with the M3 Money Club. Team up with superheroes Cash and Violet to stop the Evil Dr. Spendit as he tries to scam his way to wealth. Learn money saving tips and put your skills to the test! Check out the M3 Money Club today at operationm3.com/redwoodcu.

BE A EVERYDAY!

REDDY THE REDWOOD “Reddy’s DIY Halloween”

Mark Your CalendarRedwood Credit Union will beclosed on the following holidays:

Columbus Day October 14

Veterans Day November 11

Thanksgiving Day November 28

Christmas Eve December 24 (closing at 4 p.m.)

Christmas Day December 25

New Year’s Day January 1