Credit Union Times Magazine April-23, 2003

News

  • Wescom CU Moves from Cashless to Full-service

    ONTARIO, Calif. -In a move to further improve member convenience and meet the demand of growth here Wescom CU, has relocated its cashless branch to a new full-service branch. Located two-miles east of the previous Ontario branch, the new full-service branch increases in square footage from 874 feet to 5,200...

  • Western Heritage CU Travels to Turn of Century for New Branch

    ALLIANCE, Neb. - Step into Western Heritage Credit Union's latest branch here and prepare to be transported back to Old World Europe. "We decided to use a more professional approach in opening this branch and pay a little attention to the design and interior," said WHCU President Ted Bolen. The...

  • Trading Stuffy for Creative Efficient Spaces in CU Board Rooms

    WEST PALM BEACH, Fla. - Forget about the big bulky desk and a slide projector - more credit unions are busy revamping and redefining what boardrooms will be. "It is important to align the operational strategy with the branch growth when planning the branches," said Paul Seibert principal of the...

  • Erie Shores CU New Branch Beacon for Others

    OREGON, Ohio - Erie Shores Credit Union, Inc. has selected Cincinnati-based design/build firm DEI, Inc to design its latest branch here. The new facility will resemble a lighthouse complete with a glass tower. The one-story building is being built with a relief in the center of the lobby where the...

  • Special Report: Facilities

    Credit union board rooms and branches have come a long way. Take a look at the latest in design in the Facilities special report on pages 18-21.

  • Travis CU Branching Out

    VACAVILLE, Calif. -Travis Credit Union is headed to home of the May Fair - Dixon, California. The $1.2 billion credit union will open a new 2,800-square foot branch in the Dixon Landing shopping center. Dixon will be the newest of nine branches with a tenth branch location slated to open...

  • Matadors CCU Holds Ground Breaking Event

    NORTHRIDGE, Calif. - Matadors Community Credit Union is making room for a new addition-phase I of a 30,000 square-foot facility. The new facility, which will house an operations center, administrative headquarters and a full-service branch with drive-up ATMs is slated for completion in early spring of 2004. Designed by Rengle...

  • A Look at Credit Union Facilities and the Underserved

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  • CommonWealth Central CU Celebrates New HQ

    SAN JOSE, Calif. - CommonWealth Central Credit Union has recently celebrated the grand opening of its sixth branch and new headquarters here in the Silver Creek area. San Jose City Council member Forrest Williams (District 2) attended the celebration along with over 200 members. CommonWealth has $320 million in assets...

  • Pennsylvania CU League CEOs Past and Present

    Find out what former Pennsylvania League CEO Mike Judge and current League CEO Jim McCormack are up to. Pages 24 and 30.

  • American First CU Branches Starbucks-Inspired?

    LA HABRA, Calif. - American First Credit Union has redesigned its branches with a coffee house feel. Designed by Seattle-based design/build firm Emick Howard, & Seibert in partnership with Weber Marketing Group, the new branches use warm colors, curves and textures to create a soft inviting atmosphere. "As part of...

  • PWCampbell Wins Award

    PITTSBURGH, Pa. - Design/build firm PWCampbell has received a Golden Trowel Award from the International Masonry Institute (IMI) for excellence in masonry design and construction for the new corporate headquarters of First Citizens National Bank in Mansfield, Pennsylvania. PWCampbell was recognized in the commercial/retail category. Based in Annapolis, Maryland, the...

  • D. Edward Wells Moves Case Out of the Courts and into the Legislative Arena

    SPRINGFIELD, Mass.-Attorney Mary-Ann Lane, representing former officials of D. Edward Wells Federal Credit Union, wrote U.S. District Court Judge Michael A. Ponsor that the officials had decided not to pursue their contest of NCUA's conservatorship in the courts. Lane complained on behalf of the former officials that they were not...

  • CDFI's New `Economic Distress' Criteria may Negatively Affect CUs Ability to Serve, NAFCU Says

    ARLINGTON, Va.-Treasury's amendments to the Community Development Financial Institution's Fund criteria for economically distressed areas may have a negative impact on credit union's ability to serve those distressed areas, NAFCU President and CEO Fred Becker wrote in an official comment letter. Treasury's revised interim rule alters the criteria of `economic...

  • Legislative Battles Top Ticket at Texas League's Annual Meeting

    CORPUS CHRISTI, Texas - At the Delegate Session on opening day of its 69th Annual Meeting & Convention, April 9-12, the Texas Credit Union League reported that its legislative team had successfully halted a recommendation that would reduce funding for the Texas Credit Union Department and another that would consolidate...

  • As State Budget Cuts Lead to Lay-offs, Affinity Plus Federal Credit Union Going Above and Beyond to Help the Unemployed

    ST. PAUL, Minn. - Affinity Plus Federal Credit Union here has reached out to Minnesota's entire unemployed segment with an array of products to help them through a tough financial stretch. "At Affinity Plus Federal Credit Union, our charge is clear - do whatever is right for the member," said...

  • After Five Years as President, Collier Takes Over CEO Spot at Indiana Members Credit Union

    INDIANAPOLIS - Coaching and teaching is in Ron Collier's blood and he'll need it in his new position as CEO of the $760 million Indiana Members Credit Union. After 18 years with Indiana Members CU, five as president, Collier has been named CEO, taking over for Ed Lechner, who spent...

  • AmeriChoice FCU is First Pennsylvania CU Authorized to Make SBA 7(a) Loans

    MECHANICSBURG, Pa. - AmeriChoice FCU will sign its contract with the SBA during the Pennsylvania Credit Union League's Annual Meeting April 24-26 to make SBA 7(a) loans, making the CU the first in the state to become an SBA 7(a) lender. The $86.5 million CU received approval from the SBA...

  • Big Banks, no CUs, Make List of OFAC Violators

    WASHINGTON-The names of several large banks have been published under the Office of Foreign Asset Control's regulation naming violators of the Trading With the Enemy Act requirements, including dealings with those named on the Specially Designated Nationals list. In a final rule effective February 11, 2003, OFAC said it would...

  • Variable-Rate CD Popular at Bellco

    DENVER - Providing investors "a safe but flexible alternative" in the current rate environment, Bellco Credit Union of Denver is finding its new variable rate product, the "Index Advantage CD" popular with members. The CD has a $1,000 minimum and has 22 and 44 month terms with rates tied to...

  • Latin American and U.S. CU Organizations Share Best Practices at Remittance Workshop

    CORPUS CHRISTI, Texas - Undocumented Latin American workers in the United States are unlikely to seek out a relationship with credit unions simply because a credit union hangs a sign advertising low-cost international remittances. What U.S. credit unions can do to increase remittance usage and credit union membership by foreign-born...

  • Ohio Credit Union Officials Adamant About Private Share Insurance Option

    CLEVELAND - Ohio credit unions want their private insurance. That message came through loud and clear from the leaders at the Ohio Credit Union League's 69th convention to the 1,400 attendees. "Insurance options are non-negotiable," said chair-elect Rose Bartolomucci, president of Kent Credit Union. Ohio is a strong private-insurance state....

  • With Surcharge-Free Networks on the Rise, Will Surcharging go Extinct?

    ARLINGTON, Va. - Since roughly 1996, surcharging cardholders has helped provide the income ATMs generate. But the advent of more surcharge-free networks and other factors have many believing the era of milking the cardholder may be coming to an end. "I think we have passed the point of consumer patience...

  • Utah CUs and Banks Have More to Worry About than Each Other as State Leads in Bankruptcies

    SALT LAKE CITY -Despite its conservative image, Utah remains the bankruptcy capital of the U.S. and credit union leaders like others in the financial sector are mystified at the cause and how to curb the trend. "We've tightened our own risk-based lending programs," declares James Hofeling, immediate past chairman of...

  • Online Tax Filing Saves Taxpayers, IRS Money; Goal is 80% of Taxpayers by 2007

    WASHINGTON-More than 2.4 million taxpayers filed their taxes online as of April 9 through the Free File Web site (visit www.egov.gov), according to data released by the Treasury Department and the Internal Revenue Service. More and more credit unions in recent years have formed partnerships to assist their members in...

  • Kansjorski Wants Private Insurance Brought up in Full Mark-up of Reg Relief

    WASHINGTON-Congressman Paul Kanjorski (D-Pa.) introduced and then withdrew-as part of his strategy to get the issue on the table-an amendment (CU Times, April 16) to H.R. 1375, the Financial Services Regulatory Relief Act to strike the section of the bill permitting privately insured credit unions to join the Federal Home...

  • Hiway FCU Not Shy about Taking on the Banks in the St. Paul Market

    ST. PAUL, Minn. - Hiway Federal Credit Union is certainly not shy about boasting to members that it is better than a bank. Signs displaying headlines such as "Ironically the best place to bank in St. Paul is not a bank" and "Everything a bank does and less-30% lower loan...

  • CUNA Works-and Re-Works-Congressional Testimony and Witnesses to Achieve the Desired Effect

    WASHINGTON-The thought of testifying before Congress would make most anyone a bit nervous. In prepping its witnesses, CUNA is able to avoid letting the jitters get in the way of compelling testimony. CUNA has provided many witnesses already this congressional session including Chartway Federal Credit Union Director of Operations Celia...

  • Credit Unions Want a Solid Debit Rewards Program, But Serious Doubts Arise About VISA Extras

    ARLINGTON, Va. - The much anticipated signature debit rewards program, VISA Extras, is expected to launch next month, but it may be rough going as industry leaders cite a number of potential stumbling blocks. Credit unions whose debit card holding members enroll in the program will be able to offer...

  • Diamonds and Golden Mirrors are Credit Union Marketers' Best Friend

    WEST PALM BEACH - It is once again that time of year when marketers can step out into the spotlight to be recognized for their efforts with Diamonds or Golden Mirrors. Both the CUNA Marketing Council Marketing and Business Development Conference and the CUES Marketing, Operations & Technology Conference presented...

  • FCRA Hearings Scheduled Shortly after Recess

    WASHINGTON-Reauthorization of the Fair Credit Reporting Act is going to dominate activity among Washington lawmakers concerned with financial services a great deal throughout the rest of the session, CUNA Vice President of Legislative Affairs and Senior Legislative Counsel Gary Kohn predicted. Two hearings on the reauthorization of certain provisions of...

  • Florida CUs Latest to Feel Taxation Sting through Banker-Backed Tax Study

    TALLAHASSEE, Fla. - The banker onslaught at the state level continues, this time in Florida with a new tax study, partly funded by the Florida Bankers Association, questioning the viability of the tax exemption - specifically for the state's "large, full-service credit unions." The study was done by Florida TaxWatch,...

  • Credit Unions Defrauded by Bentley Financial Services to Receive First Payment of $135 Million in April

    PHILADELPHIA - Individual investors as well as credit unions and banks that were sold $370 million worth of bogus CDs from Bentley Financial Services Inc., a defunct broker, are scheduled to receive the first of at least two payments by the end of April. On April 11, the U.S. Attorney's...

  • Massachusetts Credit Union League "Adopts" 804th Medical Brigade

    SOUTHBOROUGH, Mass. - Support for U.S. troops in Iraq has an especially personal meaning at the Massachusetts Credit Union League. Francesca Szafranski works in the league's Audit Services Department. Her husband John is with the 804th Medical Brigade serving in the war zone. When the league's social committee, which traditionally...

  • JDCCU Lowers Rate for Troops to 4%

    WATERLOO, Iowa - John Deere Community Credit Union is doing its part for troops by offering a reduced interest rate of 4% APR on existing consumer loans. Anyone on active duty including the National Guard, Reserves, Army, Navy, Air Force, Marine Corps, and Coast Guard is eligible for an interest...

  • US Federal CU Offers Support to Troops

    BURNSVILLE, Minn. - US troops in Kuwait will receive a piece of home thanks to US Federal Credit Union staffers. US Federal CU employees donated items for over five care packages, which will be sent to active military personnel deployed in "Operation Enduring Freedom." "The packages were put together to...

  • Survey Finds CRA Investments Key to CDFIs

    CHICAGO - A new study conducted by the Chicago based Woodstock Institute has found that financial institutions subject to the Community Reinvestment Act provided $847 million in capital to community development financial institutions as of the year 2000. The sum represents 15% of the total assets the 379 surveyed CDFIs...

  • WesCorp, VolCorp Round out Their Boards

    PASADENA, Calif. and NASHVILLE - WesCorp and VolCorp recently elected new directors. During WesCorp's recent annual meeting in Pasadena, Calif., three board incumbents were elected to three-year terms - Robin Lentz, CEO of Cabrillo CU, John Merlo, CEO of Premier America CU, and Dave Rhamy, CEO of Silver State Schools...

  • In the Hot Seat: How CU Reps Prepare for Congressional Testimony

    Credit unions are being called on more and more to testify before Congress on financial issues. But being in the hot seat isn't for the faint of heart, and as the story on page 4 shows, there's a lot of prep work involved.

  • Meriwest Mortgage Partners with California Realtor

    SAN JOSE, Calif. - Meriwest Mortgage, the wholly-owned mortgage CUSO of Meriwest CU, has partnered with Prudential California Realty to offer cash rebates to members who buy or sell their home through the realtor's SMARTMOVET program. The program is free to Meriwest's members who are making residential, commercial and investment...

  • Credit Union House Calendar Filling Up Quickly for May

    WASHINGTON-The May calendar for Credit Union House is filling up rapidly with leagues interested in having a say inside the Beltway. As Congress returns from its spring recess to many issues important to credit unions such as the Fair Credit Reporting Act reauthorization, regulatory relief, retirement plans, and check truncation,...

  • NAFCU Reaching Out Electronically for Annual Conference

    ARLINGTON, Va.-NAFCU President and CEO Fred Becker is taking to the virtual highway to drum up enthusiasm and attendance for the organization's 36th Annual Conference in Boston. NAFCU is taking advantage of modern technology and e-mailing credit unions a multimedia message from President and CEO Fred Becker encouraging credit union...

  • FOM Rule Effective Date: May 15

    WASHINGTON-Starting May 15, credit unions can begin taking advantage of NCUA's most recent updates to the Chartering and Field of Membership Policies (IRPS 03-01). The rule was issued with an effective date of 30 days after publication in the Federal Register, which happened April 15. The rule, popular with credit...

  • Aurum Technology Partners with Strunk & Associates for Overdraft Privilege

    PLANO, Texas and HOUSTON - Aurum Technology Inc, a provider of open and integrated solutions, has joined forces with Strunk & Associates, L.P., developer of the Overdraft Privilege(SM) program. Under the three-year agreement, Aurum clients will have the opportunity to participate in the Overdraft Privilege program to generate non-interest or...

  • Idaho League to Update Credit Unions on Paperless Titles

    BOISE, Idaho - The Idaho Credit Union League will offer training May 7 aimed at bringing credit unions up to date on Idaho's paperless E-titles program. Under the program, lenders can connect through a third party computer account/mailbox to motor vehicle title information from the state Department of Transportation's network....

  • TFCU Steps Up to Support Armed Forces

    JAMESTOWN, N.Y. - When it comes to supporting those fighting in Iraq, Jamestown Teachers Federal Credit Union can't seem to do enough. So far seven credit union reservists have been called up and the credit union has lowered interest on all military personnel or reservists loans to 0% and no...

  • Financial Literacy Youth Month Resolutions Awaiting President's Signature

    WASHINGTON-Both the House and Senate have passed resolutions designating April as `Financial Literacy for Youth Month.' The next stop for the resolution is the president's `John Hancock.' The resolutions notes that 55% of college students obtain their first credit card in their freshman year of college and 83% of college...

  • CUNA Mutual Debuts Two Products at CUES Expo

    LAS VEGAS - CUNA Mutual Group debuted two new products at the CUES Expo being held here - its Integrated Web Calculator and Compass Directional Session. The calculator can be delivered in ASP mode and is designed to assist CU loan officers in quickly giving quotes for credit life, credit...

  • Credit Unions Sending Support via DVD

    PHOENIX, Ariz. - CUNA Marketing Council Conference attendees, took advantage of a video gram service to send personal messages to U.S. Military troops in the Middle East. The video gram was the brainchild of CMC and PSB, a marketing communications solution provider. "We felt it was important to let our...

In Other News

  • AWARDS

    Robins Federal Credit Union, Warner Robins, Ga., has recognized several employees for their outstanding community service and outstanding achievements on the job. This year's winners include: Gladys Barfield, who was presented the 2002 Hope Award for volunteering in the most activities with a total of eight activities; Christiane Belisle, who...

  • SCHOLARSHIPS

    California Credit Union League, Rancho Cucamonga, has nominated the three recipients of its Tomorrow's Star Award for the Young Credit Union Professionals Scholarship. This year's nominees include Michael George, business development manager for Kern Schools FCU; Jeanne Kim, e-commerce project manager for Xerox FCU; and Melia De Witt, public relations...

  • DONATIONS

    Nazarene Credit Union, Brea, Calif., has donated $100,000 to Pasadena College/Point Loma Nazarene University. The funds will go toward a new classroom/faculty office building for the Department of Accountancy, Business and Economics. Capital Area School Employees Credit Union, Lansing, Mich., has recently sponsored an open house showcasing artwork by Grand...

News Briefs

  • Coalition Petitioning To Close Payday Lending Bank

    WASHINGTON - A coalition of consumer and community development groups, including the National Community Reinvestment Coalition and the Consumer Federation of America, have petitioned the Federal Reserve to shut down the payday lending operation of a Federal Reserve bank. The First Bank of Delaware is a state-chartered bank owned by...

  • Retirement Gurus Take Another Shot in Portman-Cardin II

    WASHINGTON-Retirement plans are not what they used to be. CUNA Senior Vice President of Government Affairs John McKechnie said that fact should help push through legislation recently introduced by Representatives Rob Portman (R-Ohio) and Ben Cardin (D-Md.) to give Americans greater flexibility and portability of their retirement plans. Two years...

  • Banks must Win Over Minorities, according to OCC

    ARLINGTON, Va.-In a recent speech before the Consumer Bankers Association, Comptroller of the Currency John D. Hawke, Jr. encouraged banks to direct their focus with shifts in the U.S. population for continued success. "It is no exaggeration to say that the industry's future success hinges on its ability to meet...

  • Montana Credit Union Act Signed into law

    HELENA, Mont. - House Bill 319 that updates and clarifies the Montana Credit Union Act has been signed into law by Governor Judy Martz. Among the provisions of HB 319, it gives the state regulator more flexibility in handling troubled credit unions to avoid unnecessarily harsh remedies; provides more latitude...

  • NCUA Promotes Steele to Region V Associate Director

    ALEXANDRIA, Va.-NCUA has tapped Jeffrey Steele, deputy to the Asset Management Assistance Center president, to become the new associate regional director of programs in Austin, Texas as of May 5. In his new post, Steele will be responsible for the Region V field program and manage approximately 90 examiners. Steele...

  • West Virginia Corporate, First Carolina Corporate go With SmartSource Solutions

    WALLINGFORD, Conn. - SmartSource Solutions, a CUSO of Constitution State Corporate CU, now has nine corporate clients for its Web-based products and services. West Virginia Corporate CU and First Carolina Corporate CU are the latest two corporates to sign with SmartSource. Both are getting a complete Web site redesign, along...

Tech Bytes

  • XP Systems, Epicor Join Up to Provide E-Commerce to Mid-Market

    MOORPARK, Calif. - XP Systems has joined forces with Epicor Software Corp. to offer credit unions and other mid-market financial institutions an integrated e-commerce/core processing software solution. Clients will be deploying a combination of XP2 - XP Systems' new relational-database, browser-based core system - and the Epicor for Financial Services...

  • Big Coup for WesPay as Golden 1 Converts to EPN for ACH Processing

    NEW YORK - WesPay, a regional payments association serving the western U.S. and Pacific regions, is already seeing fruits from its strategic partnership with Electronic Payments Network. The two announced that the $4 billion Golden 1 CU, California's largest CU, is converting its ACH processing from the Fed to EPN....

  • Half-price .coops Now Available

    WASHINGTON - Get your .coops here! From now until June 10, credit unions and other cooperatives can buy .coop Web addresses at half price. Coop is the top-level Internet domain exclusively for cooperatives, which joined .com and .org on the Internet last year. Co-ops can buy a two-year registration for...

  • DI, Harland Re-Up Multi-Year Marketing Pact

    CALABASAS, Calif. - Digital Insight and Harland Financial Solutions have inked a multi-year renewal of a marketing deal between DI and HFS' Bank Core Systems group, the companies said. DI's AXIS online banking, billpay, cash management and other e-finance solutions will continue be marketed as the exclusively endorsed third-party ASP...

  • Patelco Patches Security Vulnerabilities with nCircle Product

    SAN FRANCISCO - nCircle, a vulnerability management solutions provider, has helped the $3 billion Patelco CU discover network vulnerabilities, according to the credit union, that were fixed with upgrades. Patelco is using nCircle's IP360 appliance-based solution to secure an online environment for financial transactions. It is designed to protect against...

  • Corillian Passes 10 Million End-user Mark

    PORTLAND, Ore. - Corillian Corp. said it has now passed the 10 million mark in end-users of its consumer and small-business online financial services products. The electronic commerce enabler said it added more than 3.8 million end users to the Corillian Voyager platform in the past year, and that it...

  • Liberty Says It is Proof Bill Pay is Growing

    MOUNDS VIEW, Minn. - Liberty Internet Services said that its client credit unions processed nearly $25 million in online bill payments in March, up from $12 million last June. The increase wasn't based on tons of new clients. It had 54 at the end of July 2002 and just 65...

  • FedComp's Next Generation Hits 600

    FAIRFAX, Va. - FedComp Inc. said that it has now sold its newest core processing system, The Next Generation (TNG) to more than 600 credit unions in the 18 months or so since it was introduced. Four hundred of those installations have been completed. FedComp has more than 2,500 CU...

Opinions

  • Minnesota Building Trades FCU Branch has Job Site Appeal

    MAPLE GROVE, Minn. - Members won't hear the sound of a hammer when walking through the doors of Minnesota Building Trades Federal Credit Union's Inver Grove Heights branch, but they feel instantly at ease in the familiar surroundings. The 1,400 square-foot branch was designed by Eden Prairie Minnesota-based architectural firm...

  • Cheeseburgers, Fries, Shakes and Home Equity Loans

    Branch deployment is at an all-time high for both credit unions and banks. We in the industry know the top real estate locations are pursued by financial institutions, fast food restaurants, gas/convenience stores, and drug stores. These users typically drive the value and price point to the highest square-foot dollar...

Letters to the editor

  • The "Big" Guys Just Won't Call the Kettle Black

    I have been reading, with great interest, the ongoing debate on Private Insurance vs. NCUSIF coverage. Information and opinion continues to come from both sides of the isle and, while hesitant to offer my opinion (this and $1.50 can buy you a cup of coffee . not a latte' mind...

  • CO-OP CEO: Clarification of Recent Events

    In the 22-year history of CO-OP Network, we have never received more press coverage than in the past four months. Interestingly, that coverage has dealt primarily with two situations to which we were not directly a party: the attempted acquisition of Credit Union 24 by Concord and the launch of...

  • A Case for Overdraft Protection

    Mike Welch's April 9th column, "Putting a Little Bounce in Checking Accounts" was right on. In November 2001, following 9-11 with many members deployed and called up, we decided to begin overdraft protection (ODP) for them and their spouses. With all of their problems, we didn't want a spouse burdened...

  • Well done, PSE CU

    Congratulations to PSE Credit Union, Parma, Ohio for applying to expand their membership to all of Cuyahoga County! All other credit unions in Cuyahoga County need not worry because even Navy Federal could not truly service this area effectively. PSE CU's average asset growth of 6% per year over the...

Publisher's Column

  • Many Reasons Why Association CEOs Get Fired

    Each year when making predictions for the next 12 months, I usually include one that predicts the demise of a couple of league CEOs. Frankly, this is always a slam dunk prediction because not a year goes by when one or more league executives don't bite the dust. Managing a...

People

  • WEST

    Redwood Credit Union, Santa Rosa, Calif., has promoted the following employees: Brett Martinez to executive vice president/chief operations officer; Marty Chatham to senior vice president/controller; Darrin Logasa to senior vice president of lending; and Cynthia Negri to senior vice president of member services. In addition, RCU has named Patrick McNeany...

  • EAST

    Credit Union of New Jersey, Ewing, N.J., has named Jeff DePiano senior vice president of information systems and Robert Vuocolo controller.

  • SOUTH

    Keesler Federal Credit Union, Biloxi, Miss., has elected the following officers to its board: Don McCormick, chairman; Dean Todd, vice chairman; Cynthia Payne Childers, treasurer; and James Doyle, secretary. In addition, KFCU has elected the following directors: Tommy Adkins, Gerald Caldwell and Joe Vanhooser. KFCU Supervisory Committee members include its...

Publisher's Notebook

  • It's All We Do

    Those organizations that stick to their knitting, we have been told by many renowned management gurus, have the best chance of being successful. We heartily agree. At Credit Union Times our entire focus is on putting out the best weekly credit union publication we can. That's it. Nothing more. Publishing...

People Feature

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