PCM Employees Credit Union's
Statement of Commitment To Members

As a member-owned, not-for-profit financial cooperative, PCM Employees Credit Union is committed to our members.  We will uphold our fundamental responsibility to actively serve people within our field of membership.  We will treat all members with respect and dignity and we will offer honest, fair deals to all members at all times.  We strive to be a trusted financial advisor that our members can count on to assist them with achieving their personal financial success.  We offer a full range of deposit and lending products for all members’ personal needs.   We also deliver a range of low cost products and services to the diverse economic and social make-up of our members and potential members.  One of PCMCU’s strengths is returning as much of our members’ dollar back to them as possible.  Research and consulting firm, Callahan & Associates, has recognized PCMCU’s accomplishments in delivering superior value to its members and has ranked PCMCU number one in the nation for credit unions its size in their (Callahan & Associates) “Return to the Member” ranking system.  We’ve maintained this position for the past five years and pride ourselves on this accomplishment.  We will continue to demonstrate the value of membership in PCMCU and look for better ways to serve the needs of our members and potential members.             

We will monitor and communicate our service to members in a meaningful way so that members, potential members, legislators, regulators, and the community at large will understand and appreciate the unique role that member-owned financial cooperatives play in their lives.

Throughout PCM Employees Credit Union's strategic plan, we will put forth every effort to enable our members to become financially self-sufficient and successful. We will place high importance on consumer education and the teaching of financial management. 

This Statement of Commitment to PCMCU Members is consistent with our credit union principles of "Not For Profit, Not For Charity, But For Service" and our philosophy of "People Helping People". This statement represents good business practices that ensure the financial strength of our credit union on behalf of our members.

 
Section 1: Service to Members 

PCM Employees Credit Union strives to offer services designed to improve the economic and social well being of all members, and return financial value to all those who participate in our member-owned financial cooperative. 

      Current or Existing Products and Service

        Savings Accounts                                       Loans (Car, Signature, etc.)              
        Share Draft Accounts                                 Home Loans
        Certificates                                                    Home Construction Loans
        Super Share Money Market Account      Home Equity Loans
        Top Ten Share Account                             Home Equity LOC Loans
        Christmas / Vacation Club Accounts       Student Loans
        Children Accounts                                      Kwik Cash Loans – Overdraft Protection
        IRAs – Traditional, Roth & Education     MasterCard/Visa
       Direct Deposit                                              Payment Shaver - lease
        Payroll Deduction                              Credit Life & Disability Insurance
        Interactive Web Site – www.pcmcu.org   Home Mortgage Life & Disability   
        No Surcharge ATMs                                   GAP Insurance
        ATM Card                                                     Notary Service
        Debit/Check Card                                         Signature Guarantee
        24 Hour Telephone Access                        Wire Transfers
        Safe Deposit Boxes                                      Drive Up Service
        Travelers Checks                                          Life Savings Insurance
        Money Orders                                              Accidental Death Insurance
        Savings Bonds                                             Amusement Park Ticket Discounts
        Night Depository                                         Sam's Club Membership Discounts
        “Everybody’s Money” Magazine             Financial Advisor
        Switch-A-Roo Service                                 NCUA Federal Insurance to $100,000

       New Services Planned for the Coming Year:

        On-line Credit Card Access
        Electronic Statements
        Home & Family Finance on PCMCU Web Site
        Members Financial Network on PCMCU Web Site
        Neighborhood Housing Services

 
      Section II: Member Education

        PCM Employees Credit Union is committed to member and consumer financial education; 
        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: 

Educational Seminars – PCMCU has held a number of educational seminars for our members.  These seminars cover a variety of topics, such as, Retirement Planning and Home Buying.  Educational seminars help our members become better financial consumers.   

PCMCU.ORG – Our website is a great source of information for our members.  It contains valuable information about the products and services PCMCU provides, along with valuable links to auto price guides, investment options, financial calculators, and more. 

Resource Library – In our lobby, PCMCU provides a resource center with consumer reports, buying publications, educational brochures, as well as a computer for access to our website and PCMCU’s online banking service. 

Consumer Credit Counseling Alliance – PCMCU is a member of an alliance between the WCUL, CCCS, and participating credit unions to provide viable credit counseling services to members who need it. 

Newsletter Articles - Members receive a quarterly newsletter providing information about PCMCU products and services.  The newsletter also addresses member education issues, including:  identity theft, recent IRA changes, good saving habits and high rate check cashing stores. 

Community Presentations – PCMCU’s President is actively involved in the Green Bay area community.  He is a speaker at NWTC graduations, legislative luncheons, and business administration credit classes.   

Employee Education – PCMCU provides a special training for employees through the Staff Training And Recognition Program, a training program to help our employees understand credit union processes and the uniqueness of credit unions.  In turn, employees convey this information to our members. 

Classroom Educational Materials – PCMCU has provided local schools with materials related to how to handle a checking account and how to establish a budget

Credit Union Information Centers – PCMCU offers credit union information at each of our SEG      locations.  Quarterly mailings also provide current information to our SEG’s. 

Budget/Debt Counseling – PCMCU loan officers are trained to assist members with basic budget and debt counseling.  They are able to identify potential areas of concern and work with members to attempt to avoid future problems.

      Section III: Involvement/Governance 

PCM Employees Credit Union will endeavor to preserve credit union democratic principles, including demographic representation and volunteer participation in credit union activities. 

      Current Programs that support Involvement/Governance: 

Annual Meeting – We invite the entire membership to our annual meeting where members vote in the election to fill available seats on the Board of Directors.  The membership is also updated on the achievements of the credit union from the past year. 

Board Elections – Official election held each year at the Annual Meeting.  Each member shall have one (1) vote. 

Board Education – Members of the board of directors receive training and education on current topics and key issues facing the credit union.  One example is the Volunteer Achievement Program, a training program to help our Board of Directors understand credit unions and how they work. 

Campaign for Consumer Choice – A credit union wide congressional letter writing campaign was initiated in 1998.  PCMCU members and employees asked their congressional representative to support the PCMCU Members Access Act, HR 1151. 

Committee Involvement – PCMCU has several ongoing committees that encourage staff and volunteer participation, such as:  Supervisory Committee, Nominating Committee, Asset Liability Committee, other committees are formed on an as needed basis. 

        New Programs Planned for the Coming Year:

        No new programs planned for this year.     

 
        Section IV: Diversity

PCM Employees Credit Union recognizes the value of demographic diversity in staff as well as in volunteers, and will strive to bring people of diverse backgrounds and experiences into leadership and other roles at the credit union.

Current Programs that Promote Diversity

Equal Employment Opportunity – PCMCU actively seeks to fill vacancies by hiring qualified          candidates without regard to race, creed, religion, or socio-economic status, seeking to represent the community in which we operate. 

Member Surveys – Periodic surveys are conducted to gather feedback on our efforts to meet member needs, and also to solicit ideas from membership for improvement.  Results of the surveys are used for direction and focus for improvements and are incorporated into the annual planning process.

New Programs Planned for the Coming Year:

Survey our SEGs to determine the value the credit union provided to their employees.


Section V: Commitment to the Credit Union Movement 
and other Cooperative Activities 

PCM Employees Credit Union will work to build and strengthen our unique credit union movement by providing 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, PCM Credit Union will participate in local, state and national cooperative activities as appropriate, and will strive to build and strengthen relationships with other sectors of the national cooperative movement.

        Current Activities that Support the Credit Union Movement:

        Political Activity – PCMCU’s CEO and Executive VP actively work in political campaigns 
        donating time, money and hosting fundraisers for those who support credit unions.  PCMCU’s 
        staff and members contact legislators when appropriate.

Leadership Roles – PCMCU’s CEO serves on the Northeast Wisconsin Technical College Alumni Advisory Board, its Executive Vice President serves on the Wisconsin Credit Union League Board and its Financial Officer serves on the Brown County Chapter Board. 

State Level Meetings – PCMCU encourages its management and directors to attend annually the State Convention held by the Wisconsin Credit Union League.  This includes the leagues Annual Meeting and excellent educational sessions. 

Chapter Meetings - PCMCU takes an active role in the Brown County Chapter of Credit Unions, by attending meetings and participating in chapter sponsored activities.  PCMCU invites all directors and staff to attend these educational sessions. 

Hosting Credit Union Informational/Training Sessions – PCMCU has hosted credit union training and information sessions. 

Continuing Education to Staff – PCMCU encourages employees to attend seminars that pertain to their positions and the processes of the credit union.  In addition, PCMCU offers training opportunities to staff through our local technical college, the Wisconsin Credit Union League and CUNA, via STAR and MERIT programs. 

Alliance One – PCMCU is a member of Alliance One, which is an alliance of Wisconsin credit unions that do not charge each others members for ATM Access.  Cardholders of participating credit union ATMs have free access to nearly 200 credit union ATMs throughout the state of Wisconsin. 

       New Programs Planned for the Coming Year: 

     Create training area for employees and directors, including resource library for online 
       courses and other directories with available classes. 

       PCMCU has interest in mentoring a small credit union.

 
      Section VI: Public Service / Corporate Citizenship

PCM Employees Credit Union continues to be an active partner in our community.  Contributing to a variety of worthwhile local organizations not only strengthens ties to our community, but also raises the level of social and economic well-being of our citizens.   

Each year the credit union budgets to support many organizations in our community, including but not limited to:

            1.            United Way Campaign

            2.            Children’s Miracle Network

            3.            American Red Cross

            4.            Special Olympics

            5.            Big Brothers / Big Sisters

            6.            Children’s Make a Wish Foundation

            7.            Cerebral Palsy, Inc.

            8.            Youth Sports Groups

           

        PCMCU also practices good corporate citizenship by:

1.   Doing business with those that do business with us.

2.   Supporting educational awareness to community through program sponsorships to Green Bay Area Drug Alliance, Mothers Against Drunk Drivers, National Fire Safety Council, and National Narcotics Officers.