Joy Cousminer, longtime president/ CEO of the former Bethex Federal Credit Union and one of the industry’s leading advocates of serving low-income members, passed away on Christmas Day in the Bronx, according to the New York Credit Union Association.

In 1970, Cousminer was a teacher, working for the New York City Board of Education Adult Education Program. While helping single mothers on welfare obtain Graduate Equivalency Degrees, she noticed a common theme among her students: a lack of access to credit and a need to build savings. With the help of a former Catholic priest, she worked to charter the Bethex Federal Credit Union to serve low-income consumers in the Bronx.

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