Statement of Commitment
Co-op Credit Union is a
not-for-profit cooperative financial institution committed to
offering its member-owners the highest quality financial products
and services available. As a credit union, we strive to serve our
members’ financial needs by delivering our products and services
in a convenient and timely manner. Co-op Credit Union will uphold
its fundamental responsibility to actively serve our field of
membership and, as appropriate, the community in which they live.
We will look for better ways to reach the unserved or underserved
in our field of membership and continually demonstrate the value
of membership in the credit union.
We are committed to our
mission of providing a financially strong credit union which
promotes thrift. We believe in empowering our members with the
knowledge to make sound financial decisions. We will strive to
serve the interests of our member and potential member base. We
will seek opportunities to communicate and demonstrate the unique
role that member-owned financial cooperatives play in our society,
so that our members, potential members, legislators, regulators
and the community at large understand our difference.
This Statement of
Commitment to Members represents the beliefs and philosophy of
Co-op Credit Union. We will continue to provide our members with
the respect they deserve and the excellent service they have come
to expect. This credit union will conduct its relationships and
operations in accordance with this purpose and uphold its
fundamental commitment to the communities it serves.
Section 1: Service to
Members
Co-op Credit Union provides
the following products and services to improve the economic and
social well-being of our members and return financial value to all
who participate in our member-owned financial cooperative.
Free checking ~ Home loan ~ Direct
deposit ~ Dividend checking
~ Home equity loan ~ Payroll deduction
~ Money fund checking
~ Construction loan
~ Wire transfer ~
Share savings account
~ Share-secured loan ~ ATM card
~ Super share savings account ~ WHEDA loan ~ VISA debit card
~ Christmas
club ~ Auto loan ~ Money orders ~ Tax
savings account ~ Student/Plus loan ~
Traveler’s check ~ Share
certificate ~ Student loan
consolidation ~ Teller Phone
~ Youth saver certificate ~
Recreational vehicle loan ~ Home
Financial Services ~ Market index
certificate ~ Agricultural loan ~ Website ~
Traditional IRA ~ Business loan ~ Electronic bill payer
~ Roth IRA ~ SBA loan ~ Toll free phone number
~ Coverdell ESA ~ MasterCard ~
Safe deposit box ~ Funeral
trust ~ Express lending ~ eStatemet
~ Overdraft protection
Section 2: Member Education
Co-op Credit Union is
committed to financial education for our members and others in our
communities. In addition, we are committed to educating members
and consumers alike about credit union uniqueness, philosophy, and
values.
Current programs that support
member education and advocacy:
- Quarterly newsletter
- Website
- Member resource area with computer in lobby
- Brochures
- Advertising – print, radio, billboard & other media
- Annual meeting
- Member seminars
- “Reality Day” at local high school
- Junior Achievement
- Classroom presentations
- Credit Union Day
- Wazee House
Section 3:
Involvement/Governance
Co-op Credit Union will
preserve credit union democratic principles, including demographic
representation and volunteer participation in credit union
activities.
Examples include:
- Board of Directors
- Credit committee
- Annual meeting
- Asset / Liability Committee
- Political activism
Section 4: Diversity
Co-op Credit Union operates as
a democratically controlled, member-owned cooperative by finding
diverse, multi-skilled, adaptable, productive and service oriented
management, staff and volunteers.
Examples include:
Section 5: Commitment to
the Credit Union Movement
Co-op Credit Union will work
to build and strengthen the credit union movement by providing
financial and in-kind resources to others within the credit union
community, and by actively advocating the credit union difference
at all levels of government and in other appropriate public
forums. In addition, CCU will participate in state and national
cooperative activities as appropriate, and will strive to build
and strengthen relationships with other sectors of the national
cooperative movement.
Such activities include:
- Participate in state and national GAC conferences
- Credit Union Day
- Seven Rivers Region Chapter of Credit Unions
- Wisconsin Credit Union League
- Credit Union National Association
- Wisconsin Federation of Cooperatives
Section 6: Public Service
/ Corporate Citizenship
Co-op Credit Union provides
support or other in-kind contributions to worthwhile local
organizations, and participates in public service activities. CCU
strives to be an active partner in our community. We recognize
that practicing good Corporate Citizenship supports the credit
union philosophy of People Helping People; furthermore, it will
help raise the overall level of social and economic well being of
those in our community, help to strengthen ties within the
community, and better position us to reach out and serve those
people in greatest need of affordable financial services.
The credit union budgets to
support many organizations and projects in our communities,
including but not limited to:
- Jackson County Interfaith Volunteer Caregivers
- Boys & Girls Club
- Project Christmas
- Black River Area Chamber of Commerce
- Galesville Area Chamber of Commerce
- Melrose Business Association
- Falls Players
- Black River Memorial Hospital
- Black River Hospice
- Junior Achievement
- Children’s Miracle Network
- Jackson Little League
- Friends of Melrose
- Black River Falls Rotary Club
- Black River Falls Lions Club
- Galesville Lions Club
- Jackson County Dive Unit
- Membership area Fire Departments and First Responders
- Black River Falls High School “Reality Day” Financial Education
Project
- Jackson County Wildlife Fund
- Whitetails Unlimited
- G-E-T Showcase
- Black River Youth Hockey
- Community Park Maintenance Fund
- Jackson County Fair youth projects and junior livestock auctions
- Trempealeau County Fair youth projects and junior livestock
auctions
- Black River Falls Area Foundation Circle of Friends
- Western Wisconsin Literacy Services
- Veterans Memorial – Field of Honor
- Old Main Project – Galesville
- Hatfield Chamber of Commerce
- Karner Blue Festival
- Jackson County Habitat for Humanity
- Karner Blue Garden Club
Past projects the credit union
has made substantial multi-year financial contributions to
include:
- Galesville Downtown Revitalization
- Black River Falls Area Foundation Trail
- Lunda Center
- Skyline Golf Course expansion
- Black River Falls Public Library
- Lunda Community Park
- Ettrick Community Center
Co-op Credit Union employees
are encouraged to participate in any activity in our communities
that improve the quality of life, both as an employee of the
credit union and individually. Including but not limited to:
- Credit union dress down days for area fire departments, first
responders, pools, and any other reputable organization serving
our communities.
- Area rod & gun clubs and wildlife organizations.
- Area Chamber of Commerce, Lions, Rotary, and other
community/business organizations.
- Church boards and committees.
- Hockey, football, basketball, softball, baseball, soccer, and
other sports organizations.
- Workforce Development board
- Junior Achievement
- Project Christmas
- Adopt-A-Highway
- Community fairs and festivals
- School associations
- Western WI Literacy Services
- Western Dairyland EOC
- Black River Falls Industrial Park Commission
- Jackson County Interfaith Volunteer Caregivers
- Jackson County Dairy Promotion Committee
- Black River Hospice
- Meals on Wheels
- Falls Players
- Rhythm of the River Chorus
- Black River Arts Alliance
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