Credit Union Statement of Commitment to Members
Committed to our Members Since 1937
As a member-owned, not-for-profit financial cooperative, Unitus Community Credit Union is truly committed to our members, and has been since 1937.
We will uphold our fundamental responsibility to actively serve people in our 15-county Oregon field of membership, and the State of Washington.
We will treat all members as an important member of the Unitus family. We will deliver a range of low-cost products and services that meet the diverse economic and social needs of members and potential members. We will demonstrate our commitment to our members in all facets of our operations.
We will continue to communicate our services so that members, potential members, legislators, regulators and our community will understand and appreciate the unique role that member-owned financial cooperatives play in their lives.
We will make a difference with the way we serve our members. We won’t hesitate to go the extra mile to make sure our member’s financial needs are met—or exceeded.
With each member interaction, we will continue to look for ways to build a long-term relationship. That’s the Unitus difference—unparalleled service, unbelievably smart rates, and uncommon courtesy.
Throughout Unitus Community Credit Union’s statement of commitment, we put forth every effort to enable our members to become financially self-sufficient and successful, and will work hard alongside our members to help them meet their financial goals and achieve their financial dreams.
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 the good business practices that ensure the financial strength of our credit union on behalf of our members.
Section I: Service to Members
Unitus Community Credit Union strives to offer programs, products and services designed to improve the economic and social well-being of our members while returning financial value to members and our membership at large.
Current Services include:
- Prime Share Savings
- Go Savings – A high-yield savings account that gives members more out of every dollar.
- Special Savings — a secondary savings account to help members reach their financial goals. Popular uses for our Special Savings accounts include: vacation, wedding, taxes and hobbies.
- Health Savings Account — a smart and affordable way to save for medical expenses. Members who qualify for these accounts can earn interest on these balances while realizing tax benefits associated with these accounts.
- Unitus Checking — No Monthly Service Fee
– Visa Debit Card
– Free Direct Deposit
– Free Online Banking (uOnline), Online Bill Pay and eStatements
– Telephone Express Teller
– Overdraft Protection
– Access to Your FICO® Score (must also maintain the following accounts/services at Unitus: Credit Card, Vehicle Loan, Personal Loan, Home Equity Loan/Line, or Mortgage Loan)
- Money Market Accounts
- Certificates of Deposit (CD)
- Traditional IRA, Roth IRA, and IRA Certificates
- Loans with Competitive Rates
– Home Loans
– Equity Line Plus
– Auto Loans
– Additional Vehicle Loans
– Student Loans
– Personal Loans
– Loan Protection
- Specialty Loans
– Green Loan
– Bicycle Loan
- Credit Cards with No Annual Fee
– Platinum Rewards Visa
– Unitus Classic
– Unitus Secured Visa
- Business Services
– Business Checking and Savings
– Money Markets
– Certificates of Deposit (CD)
– SEP IRAs
– Merchant Services
– Payroll Services
– Remote Deposit Capture
– Lines of Credit
– Vehicle and Specialized Vehicle Loans
- Youth Solutions — uSavers Kids Club for Kids Ages 5-12
- College Financing with Zero Origination Fees
- Educational Savings Certificates
- Unitus Financial Advisors — Personal Financial Management Services
- 11 Convenient Credit Union Locations
- Shared Branching
- Online Services
– Online Banking via uOnline
– Mobile Banking
– Online Bill Pay
– Total Finance — Personal Financial Management Tool
– SnapCheck — Remote Deposit Capture
– Online Calculators — Mortgage, Auto Loan, Savings, Retirement, Income & Insurance and Credit Card & Debt Consolidation
- Other Services:
– Unitus Visa Pre-Paid Card
– Unitus Visa Gift Cards
– Drive Through Services
– Direct Deposit
– Wire Transfers
– Notary Public Service
– Night Depository Service
– Safe Deposit Boxes
– Foreign Exchange Services
– Automatic Transfers
– Financial Scholarships
– Digital Wallet
– Card Guard
– And more…
Section II: Member Education
Unitus Community Credit Union is committed to ongoing member education, including providing financial education to members to enhance their lives. We are dedicated to educating our community and legislators about the uniqueness of credit unions as financial cooperatives.
Current programs that support member education and advocacy:
- Quarterly Connections Newsletter
- Website — Financial Fitness
– Credit Report Tips
– Tip on Building or Rebuilding Credit
– Free Credit Report
– Your FICO® Score
– Avoiding Foreclosure
– Avoiding Repossession
– Unitus Pathfinder
– Financial Life Minutes
– Online Calculators
- Educational Seminars:
– Home Buying
– Understanding Your Credit
– Social Security and Your Retirement
– College Financing 101: Understanding Your Award Letter
– ID Theft
- On-site Business Presentations
- Unitus Employee Orientation for Member Education
- Unitus Financial Advisors gives members access to solutions tailored to fit their financial needs
- Financial Counseling
- Business Development Officers visiting schools and businesses within our field of membership
- Credit Union employees volunteering in schools
- Credit Union Days at the Capitol — Washington and Oregon
Section III: Involvement/Government
Unitus Community Credit Union will endeavor to preserve the credit union democratic principles, including continued education for our Board of Directors and multiple volunteer opportunities within the credit union.
Current programs that support involvement/governance:
- Annual Meeting
- Board Elections
- Continuing Education for Board of Directors, Management and Staff
- Volunteer Involvement on Active Committees
Section IV: Diversity
Unitus Community Credit Union recognizes the value of demographic diversity in staff as well as 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
- Bi-Lingual Staff
- Products and Services to address the Diverse Needs of the Membership
– Online Banking for Members 24 Hours a Day, Seven Days a Week
– 5,000 Shared Branching Locations
– 30,000 Surcharge-Free CO-OP-ATMs nationwide
- 12 Branch Locations
– Mall 205
– Unitus Plaza
– Mill Plain Crossing
– N. Williams
– Multnomah Village
Section V: Commitment to the Credit Union Movement
Unitus Community Credit Union will continually promote the credit union movement by advocating the difference credit unions make in the communities we serve and at all government levels.
Current Activities that Support the Credit Union Movement:
- Northwest Credit Union Association (NWCUA)
- Political Activity — Credit Union Day at the Capitol
- Credit Union Legislative Action Committee (CULAC)
- Credit Union Legislative Action Fund (CULAF)
- Member of the Corporate One Federal Credit Union
- Member of the Filene Research Institute
- Members of Local Chamber of Commerce within our Field of Membership
- Employee Education Assistance for Credit Union Related Studies
- National Credit Union Youth Month
- Recognize National Credit Union Week
Section VI: Community Involvement & Corporate Citizenship
At Unitus Community Credit Union, we are dedicated to making our communities a better place to live, work, and raise families. Unitus helps make a positive impact through donations of employee volunteer time and talents, financial and in-kind contributions and participation in the work of worthwhile charitable organizations. For all they give each day, we owe special thanks to our members and employees. Their cooperative spirit enables us to mentor our youth, teach financial literacy to disadvantaged populations, improve the economic capacity of peoples in our community, and provide disaster relief to raise each other up in the toughest of times.
We focus our efforts towards working with organizations that positively shape financial education, meet basic human needs, provide access to the arts, and deliver disaster relief to raise each other up in the toughest of times.
In 2018, we invested more than $236,000 into our communities and our employees volunteered 2,861 hours with over 80 local organizations and nonprofits.