President's Message

With another year behind us, we are looking toward the future and what it has to bring. During 2014, the Credit Union resolved to focus its efforts on enhancing our product and technology offerings, and on giving back to the communities we serve.

To better serve your needs, we restructured our Home Equity Line of Credit (HELOC) product to benefit a broad range of needs. As part of the restructuring, the Credit Union implemented zero closing costs. Adding this specific benefit has allowed us to continue to provide competitive loan solutions to our members, and has helped the Credit Union see strong growth for the year.

In addition to enhanced product offerings, the Credit Union introduced EMV chips on our credit cards, which provide an added layer of security when making purchases. EMV chips are the latest in technology that protects against the spread of credit card fraud. We are proud to provide this technology to our members, and we will be introducing EMV chips on our business credit cards in 2015.

2014 presented ample opportunity for us to give back to our Arizona communities. Credit Union associates participated in multiple state and national marathons, where proceeds benefited those in need. Some examples include the American Heart Association Heart Walk, Prescott's annual Whiskey Row Marathon, the One Stand Walk for Change Fundraiser and the Miracle Marathon. The Credit Union also held Shred-a-Thons for the fifth consecutive year, offering residents in Northern Arizona the opportunity to shred and recycle sensitive documents to protect against identity theft.

We believe that, as a local financial cooperative, it is our responsibility to support organizations that share our collaborative perspective, and to provide our members with ways to secure their personal information. We appreciate the support of our dedicated associates, and we are looking forward to participating in and hosting community events throughout the year.

We thank you for your ongoing support, and we are looking forward to continuing to meet your financial needs in the years to come.