STATEMENT OF COMMITMENT TO MEMBERS
Brewery Credit Union
Brewery Credit Union has been established to provide superior financial service while economically empowering our members and community. Brewery Credit Union's focus is to become our members' primary financial institution.
Brewery Credit Union will continue to deliver a broad range of competitively priced products, and services to the diverse economic, and social makeup of our membership and potential membership, and will look for better ways to serve the financial needs of our members and community.
On-going communication with our members, potential members, legislators and regulators will emphasize the unique role that a member-owned local financial cooperative plays in the overall financial well-being of both individuals and the community-at-large.
Brewery Credit Union is proud to be part of the Credit Union movement whose principles of "not-for-profit, not-for-charity, but for service" along with the movement's philosophy of "People Helping People" is consistent with our mission statement.
Service to Members
Service to Members Brewery Credit Union will offer services designed to improve the economic and social well-being of all members from all socio-economic backgrounds, including our low and moderate income members, and return financial value to all those who participate in our member-owned financial cooperative.
Current Services
1. Share Savings - Our primary savings account to become a member-owner. A $5.00 minimum balance is all that is required. There are no monetary or annual fees. A competitive dividend is paid on all balances over $100.
2. Checking Accounts - Two checking account options are offered to our members: a no-fee, non-interest bearing account which appeals to members carrying low average balances and an interest-bearing account appealing to members with higher average balances.
3. Check Card - The convenient check card (also referred to as a debit card) is used by members in place of checks at all retail establishments accepting major credit cards, as well as to access cash at ATMs.
4. Christmas and Dream Clubs - Two special accounts that make saving for special times a little easier.
5. Telephone Teller - (CU*TALK) Members can call 24 hours a day, 7 days a week to access transactions and history on their accounts.
6. Home Banking - Members can conduct transactions, open accounts and apply for loans 24/7/365 via the internet.
7. Share Certificates (CDs) - Members are offered insured investment opportunities with a variety of terms.
8. ATMs - Owned and operated by the Brewery Credit Union are at a no cost, surcharge fee to our members. The credit union also belongs to the Alliance ATM Network where hundreds of ATM's are surcharge free to our members.
9. Consumer Loans - Consumer loans of all types are offered to members at terrific rates and terms and our open-end lending agreements make the process fast and easy.
10. Credit Cards - Members can choose between preferred and gold cards at very competitive rates.
11. Mortgage Loans - A wide variety of first and second mortgage loans are available.
12. Website - Brewery Credit Union's internet site at www.brewerycu.com offers a vast amount of information about the credit union, along with easy to use financial calculators and links to other valuable sites.
13. Direct Deposit - Brewery Credit Union can accept all or part of a member's payroll directly from their employer.
Member Education
Brewery Credit Union is committed to member and consumer financial education. We are also committed to educating our community in Credit Union philosophy, values and uniqueness.
1. Newsletter - Each quarter, Brewery Credit Union publishes a newsletter which contains Brewery Credit Union's news and services.
2. Website (www.brewerycu.com) - Our easy to use website is a wealth of financial information and member services.
3. Consumer Credit Counseling - We support Consumer Credit Counseling Service, another nonprofit organization, and recommend them to members who need financial counseling.
4. Get Checking Program - Offered through UW-Extension, the "Get Checking" program offers our members who have experienced financial problems in the past a chance to open or re-open a checking account after completing educational classes.
5. Financial Seminars - The Credit Union staff is available for public speaking engagements on a variety of topics.
6. Staff Training - All staff receives on-going education and training through both regularly scheduled and ad hoc training sessions.
7. Informational Material - Educational publications and service brochures are available in our lobby.
Involvement/Governance
Brewery Credit Union will endeavor to preserve Credit Union democratic principles, including demographic representation and volunteer participation in Credit Union activities.
1. Board Elections - The Board of Directors are volunteer members who make decisions that benefit all Brewery Credit Union members. All members are invited to participate in the Annual Meeting where Board members are elected. Members are informed through the quarterly newsletter of the election and to encourage nominations and attendance.
2. Committee Involvement - Brewery Credit Union has several committees and strongly encourages volunteer involvement in those committees.
3. Membership Survey - Member surveys are used to improve Brewery Credit Union's service and products.
4. Suggestion Box - A member suggestion box is located in our lobby.
5. Board Training - On-going training opportunities are made available for Board members.
Diversity
Brewery Credit Union understands the value of diversity in persons who are involved in Credit Unions at all levels. We value that diversity in our staff as well as volunteers, and strive to bring people of diverse backgrounds and experiences into leadership and other roles at the Credit Union.
1. Equal Opportunity Employer - Brewery Credit Union actively seeks to fill vacancies by hiring qualified candidates without regard to race, creed, religion, sex or socio-economic status.
2. Board Representation - The Board of Directors represents a variety of backgrounds and expertise in our field of membership.
3. Lending Philosophy - Brewery Credit Union looks at our members' personal creditworthiness and other elements to ensure that we are tailoring the loan to individual or family needs. While this may require Brewery Credit Union to tailor the terms and rate to the individual's situation, we know that our members will receive fast and personal service. We look for ways to make the loan, not to turn it down.
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