Statement of Commitment
Mission Statement
The mission of Northern Paper Mills Credit Union (NPM Credit Union) is to provide competitive loan and savings rates, today’s best financial products, and friendly personalized service for our members and their families.
Statement of Commitment to Members
As a member-owned, not-for-profit financial cooperative, NPM Credit Union is committed to our members. We will uphold our fundamental responsibility to actively serve people within our field of membership, and as appropriate, the communities they live in. We will treat all members with respect and dignity and we will offer honest, fair deals to all members at all times. We will deliver a range of low cost products and services to the diverse economic and social make-up of our members and potential members. We will look for better ways to reach out to the unserved or underserved in our field of membership. And we will continually, in all facets of operations, demonstrate the value of membership in NPM Credit Union.
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 NPM 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 thrift.
This Statement of Commitment to 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.
Service to Members
NPM Credit Union strives to offer services designed to improve the economic and social well being of all members from all socioeconomic backgrounds, including our low- and moderate-income members, and return financial value to all those who participate in our member-owned financial cooperative.
Current Services that Help Improve the Economic & Social Well-being of Members:
Checking: Free Checking Accounts, Online account access, Online Check Images, No Fee ATM, Overdraft Protection, Money Market Shares, ATM/Check Card, ACH/Direct Deposit, Nationwide ATM Network/Alliance One, Money Pass, Telephone Transfers, Free Online Bill Pay.
Savings: IRAs, Personal Sub-Savings Accounts, Christmas Club Accounts, Teen Money Club, Kids Cool Cash Club, Trust Accounts, Funeral Trust Accounts, Savings Insured by NCUA, Automatic Withdrawals, Telephone Transfers, ACH/Direct Deposit.
Loans: Auto Loans, Personal Loans, Snowmobile Loans, RV/Boat Loans, Kwik Cash Loans, Home Equity Lines of Credit, Fixed-Rate Mortgage Loans, 3-year ARM 1st and 2nd Mortgage Loans, Share- & Share Certificate-secured Loans, Biweekly Payments, Payroll Deduction, Life & Disability Loan Payment Protection, GAP Insurance,
Risk-based lending.
Certificates: Share Certificates, Youth Certificates, Traditional IRA Certificates, Roth IRA Certificates, Coverdell IRA Certificates.
Miscellaneous Products & Services: Online Acct Access, Website, E-mail, 24-Hour Audio Response/NATE, Free Coin Counting Service, Drive-Up, Night Depository, Money Orders, Teller Checks, Online Check Reorders, Free Notary Service, Safe Deposit Boxes, Amusement Park Discount Tickets, NADA Book Values, VISA Prepaid Gift Cards, 24-Hour Voice Mail Messaging, Incoming & Outgoing Faxes, Accidental Death & Dismemberment Insurance
, Electronic Statements.
Member Education
NPM Credit Union is committed to member and consumer financial education; in addition we are committed to educating members and consumers about credit union uniqueness, philosophy and values.
Current Programs that Support Member Education & Advocacy:
Balance Financial Fitness Program, Financial Planning Seminars, Credit Counseling Information Referrals, Member Newsletter, Teen Newsletter, Youth Newsletter, Consumer Educational Brochures from CUNA, Member Educational Seminars, Kids Club Activity Outings, Your Guide to Money Booklet, Educational & Security Information.
Involvement/Governance
NPM 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:
Brown County Chapter meetings, International Credit Union Day celebration, WCULAF Auction donations & purchases, WCUL Annual Meeting participation, Government Affairs Conference, Credit Union Annual Meeting & Board Election.
Diversity
NPM 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 Employer.
Commitment to the Credit Union Movement
NPM Credit Union will work to build and strengthen our unique credit union movement by providing financial and in-kind 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, NPM 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 Supporting the Credit Union Movement:
Resource sharing and networking with other credit unions, International Credit Union Week promotions, Small Credit Union group meetings, employee continuing education programs, member of Wisconsin Credit Union League, CUNA, WACHA, and WISCUB. NPM Credit Union President/CEO is a CUES Member. NPM Credit Union director is President of Brown County Chapter of Credit Unions.
RP3-participating employees will be better positioned to direct members to investment resources more effectively.
Public Service/Corporate Citizenship
Through direct financial support or other in-kind contributions to worthwhile local organizations, and by participating in public service activities, NPM Credit Union strives to be an active partner in our community. We recognize that practicing good corporate citizenship supports the credit union philosophy of “People Helping People”; furthermore, it will help raise the overall level of social and economic well-being of those in our community, help to strengthen ties within the community, and better position us to reach out and serve - as only credit unions can - those people in greatest need of affordable financial services.
Organizations Currently Receiving Financial or Other In-Kind Support and Current Public Service Activities:
Green Bay Police Crime Protection, Children’s Miracle Network, Paul’s Food Pantry, Salvation Army Collection Site, United Way, Olde North Green Bay Neighborhood Association, Adopt a Family for Christmas/Salvation Army, Stock the Shelves, and Cystic Fibrosis Foundation.
(Rev.September 2011)
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