USA Credit Union, Auburn Hills, Mich., has appointed Frederick E. Girard III as senior financial consultant for its Michigan branches. Commonwealth Credit Union, Frankfort, Ky., has named David W. Young vice president of operations; Louise Bryant-Ritchie vice president of finance; and Alan Davis assistant vice president of lending. Georgetown Kraft Credit Union, Georgetown, S.C., has promoted Dustee Taylor to loan officer; Elizabeth Owens to loan department clerk; and Nicole Cole and Harriet Cribb to call center staff. The CU has also named Emily Duncan, Kara Hemingway, Tammy Swails, and Heather Jordan tellers.

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