Credit Union Statement of Commitment to Members

As a member-owned, not-for-profit financial cooperative, St. Pius X Church Federal 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 our members and potential members. We will look for better ways to reach out to the un- or underserved, particularly the youth, in our field of membership. We will continually, in all facets of operations, demonstrate the value of membership in St. Pius X Church Federal 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 St. Pius X Church Federal 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.

Section 1: Service to Members
St. Pius X Church Federal Credit Union strives to offer services designed to improve the economic and social well being of all members from all socio-economic 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 and Social Well Being of Members:

1. Our Young Savers program promotes savings and good money management for youth. It offers special educational fun on our web site with googolplex. We have easy access for students from St. Pius X and St. Helen’s schools when we go to the schools weekly and give the children the opportunity to deposit collect piggy bank stamps, with each deposit, and redeem them for prizes. Youth savings accounts require only a $5 minimum balance up to age 14. We have events spaced throughout the year such as the 15 turkeys we give away in November, a bicycle drawing in the summer, double sticker weeks, and pizza drawings for making 5 deposits.
2. It is our pleasure to send congratulation cards to welcome the parents of new babies. We start their accounts with a $5 gift.
3. Free checking accounts - These accounts offer check privileges without minimum balances, no per-check charges, and no monthly service charges. Members may have ATM cards with 5 fee free withdrawals at any machine or unlimited withdrawals at our ATM’s. We also offer Visa Debit cards with this account.
4. Government insured student loans – St. Pius X Church FCU has offered these loans for the past several years to provide financial assistance to college-bound members. Parent plus loans are also available.
5. Enhanced website In 2001 we expanded our website for easy access to all our services and products. Our PC Loan Calculator makes our members educated consumers.
6. Email Statements - We began offering this as an alternative to regular mail and promoted it with a $5 insensitive per account for all members who requested this service. We will have more educational opportunities with more members accessing our web site.
7. Electronic Bill Payer is available through our web site. No more stamps, envelopes, or trips to the post office.
8. Second ATM Our new easy access drive-thru ATM with depository was installed in November. This features deposits immediately available, (no holds).
9. Main Share Accounts
10. Youth Savings Account
11. ATM Card (Automated Teller Machine)
12. Savings Bonds- Sale and Redemption
13. Audio Response Teller
14. Members Financial Network (www.spxfcu.org)
15. Share Certificates
16. Loans (Fixed and Variable)
17. VISA (Classic and Gold Cards)
18. Debit Card (Check Card)
19. IRA (Individual Retirement Accounts)
20. Direct Deposit
21. CU-Online/Web
22. Insurance
23. CU-Online/Web Loan
24. Digital Image Access
25. Member Reward Program (VISA Score Card)
26. Christmas Club
27. Auto Leasing
28. Indirect Auto Financing
29. Discounted Tickets: Movie theaters, car wash, amusement parks
30. Member Financial Services
31. Member Business Loans

Section II: Member Education
St. Pius X Church Federal Credit Union is committed to member and consumer financial education; in addition we are committed to educating members and consumers, alike, about credit union uniqueness, philosophy, and values.

Current Programs that Support Member Education and Advocacy:

1. Googolplex - Three levels of financial education for grammar, middle, and high school students available on our web site and updated monthly.
2. Newsletter articles - Each quarter our newsletter contains valuable education for members related to credit union uniqueness and philosophy, important lending issues, and other timely topics. We are committed to more newsletter education and less advertising of products and services.
3. Girl Scout Tours
4. School- Newspaper In Education (St. Pius)
5. St. Helen’s School - Homework folder
6. School Banking
7. Rochester District of NYSCU League Scholarship - College (1 Scholarship)
8. Bob Crawford Memorial Golf Scholarship - College (11 Scholarships)
9. Lucian Garcia Memorial

Section III: Involvement / Governance
St. Pius X Church Federal 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:

1. President of Rochester District
2. Public Relations and Marketing Council
3. District Meetings
4. Member/Non-Member Surveys
5. Annual Meeting
6. Supervisory Committee
7. Board Elections
8. Committee Involvement
9. On-Going Volunteer Education
10. National Governmental Affairs Conference New Programs

Section IV: Diversity
St. Pius X Church Federal 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:

1. Active Recruitment of Younger (Mixed Gender) Volunteers
2. Affirmative Action Plan which provides Equal Employment Opportunity

Section V: Commitment to the Credit Union Movement and other Cooperative Activities
St. Pius X Church Federal 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, St. Pius X Church Federal 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 that Support the Credit Union Movement:

1. America’s Credit Unions
2. NYS Rochester District
3. Shared Service Centers
4. National CULAC Participation
5. Active Dialogue with Local, State, and Federal Officials
6. Waived Surcharges for Associated Credit Unions
7. No Surcharge ATMs

Section VI: Public Service / Corporate Citizenship
Through direct financial support or other in-kind contributions to worthwhile local organizations, and by participating in public service activities, St. Pius X Church Federal 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.

Community/FOM Groups Currently Receiving Financial or Other In-Kind Support (including the support given) and Current Public Service Activities:

1. Sisters of Mercy - Works of Mercy Program (Sponsor/Underwrite)
2. St. Pius X 5k Road Race
3. St. Pius X Country Fair
4. St. Christopher’s Family 5k Run (Official Gold Sponsor)
5. St. Helen’s Church
6. Girl Scout- Cookie Sales

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