Smart. Simple. Personal.
January 2017
1st Quarter
People Helping People
IN THIS ISSUE
page
1
Letter from the President/CEO
Mobile App
page
2
Desjardins & Dora Maxwell Award
Legendary Teacher
page
3
Community Corner
Annual Meeting
page
4
Meet the Team:
Springerville
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5
Board Election
Important Updates
A Letter from the President/CEO
Dear Member,
As we begin the New Year, I am energized by our credit unions
continued dedication to a philosophy of people helping people.
As a member-owned financial cooperative, we remain focused on
meeting your needs by providing SMART solutions, SIMPLE banking,
and PERSONAL interactions.
As a consumer, you made a smart choice to become a member of a
credit union. Credit unions are not-for-profit financial cooperatives
that exist to serve their members. Credit union earnings are paid
back to members in the form of higher savings rates and lower loan
rates, unlike banks who are for-profit corporations with declared
earnings paid to stockholders. That means you are more than a
member, you are part owner. A volunteer Board of Directors is
elected by members to manage a credit union. In this issue you will
find our 2017 Board Election notice, please take a moment to review
this important information.
As a credit union, we are committed to strengthening the
communities we serve. Through November 2016 our employees
volunteered over 2,315 hours in the community and taught financial
education to over 443 local students.
In closing, I want to take a moment to offer my sincere appreciation
to our Board of Directors and volunteers for their continued
dedication to the credit union and our membership. These elected
officials continue to represent the best interests of our members
and make decisions that ensure long-term success of the credit
union. To our employees, I sincerely thank you for believing in what
we stand for as an organization and focusing on what’s important
– serving our members and communities. And most importantly, I
Eric H. Renaud, President/CEO
wish to thank you, our member, for placing your loyalty and
trust in Pima Federal.
Wishing you a healthy, happy, and prosperous 2017!
Sincerely,
Eric H. Renaud
President & CEO
Smart & Simple Mobile App
Look out for the exciting new features on Pima Federal’s app
coming soon. Highlights include: touch enabled logon, view
your available credit card balances, search transactions, see the
geo-location of those transactions, see pending transactions,
link pictures and notes to transactions, take advantage of the
“Contact Us” feature, and much more!
Smart. Simple. Personal.
Pima Federal Credit Union
1
Desjardins & Dora Maxwell Award
our shared values; while our philosophy of helping others is
the greatest measurement of our success. It is with heartfelt
appreciation that we thank ALL of the employees at Pima
Federal for living by this philosophy on a daily basis and for their
involvement in our community and financial literacy efforts over
the years.
The Dora Maxwell Social Responsibility Community Service Award
is given to a credit union or multiple credit union groups for its
social responsibility projects within the community. The award
is given for external activities including raising funds for charity,
educational activities, or community involvement projects, such
as a volunteer fair, building low-income housing, or loaning
employees a few hours a week to work in hospitals, retirement
homes, schools, etc.
Back row, left to right: James Knoff, James Kisner, Robert Dutcher, Eric Renaud,
Danny Smith, Eddie Frasquillo. Front row: Dawn Blackmon, Laura Ward, Liz
Martinez, Arielle Overman, Angi Griffin, Cindy Campano, Bruce Baca.
Pima Federal was honored to have placed 2nd for the 2016 Dora
Maxwell Social Responsibility Award and received Honorable
mention for the 2016 Desjardins Award for our commitment to
community and financial literacy efforts in 2015.
This is very special recognition considering community
involvement, engagement, and teamwork are pinnacles of
CUNA created the Desjardins program to recognize leadership
within the credit union movement on behalf of financial literacy
for all ages. The recognition program considers all activities
supporting the personal finance education of members and nonmembers, including, but not limited to, face-to-face teaching using
proprietary materials as well as financial literacy leadership efforts.
We are humbled to receive this honorable recognition as we
remain committed to the credit union philosophy of people
helping people and improving the economic conditions of our
communities.
Legendary Teacher Award
September 22, 2016 marked the 4th Annual Legendary Teacher Day,
a day to recognize and honor those special teachers who have made
a significant difference in the lives of their students. As a credit union
founded by teachers, Pima Federal was proud to partner with Amphi
School District to sponsor the first Amphitheatre Legendary Teacher
Award. A committee of volunteers reviewed 120 nominations
submitted over a two week period to narrow down these entries to
a single teacher. Although there were many deserving teachers in
the running, this year we are proud to honor Danielle Mulleneaux,
an Art Teacher at Ironwood Ridge High School as the 2016 Amphi
Legendary Teacher! Ms. Mulleneaux has a long history in the Amphi
School District, first as a student and now as an Art teacher. Many
of the student’s nominations for Ms. Mulleneaux recounted her
guidance, talent, and how she gave them the confidence in life
and art to aspire for more and reach for the stars. We are proud to
partner with the Amphi School District in honoring and recognizing
this Legendary Teacher. Congratulations Ms. Mulleneaux, for making
such a valuable impact on the youth in our community!
Smart. Simple. Personal.
Legendary Teacher, Ms. Mulleneaux, with a few of her students.
Pima Federal Credit Union
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COMMUNITY
CORNER
MIKID: Giving More Than Thanks
The holidays are a joyous time of year, full
of hope and new beginnings. It is also a
season for giving. In November, with the
help of our friends at Boston Market, we
were happy to provide 30 Thanksgiving
dinners for families of MIKID. Each family
is provided a full turkey with all the
sides and fixings for a special holiday
meal. MIKID is a statewide non-profit
organization that provides services,
support, and education to families of
children with mental illnesses along with
emotional and behavioral challenges.
Community Involvement is one of Pima
Federal’s shared values, and a force that
drives everything we do. Employees,
families, and board members volunteer
thousands of hours each year to make
a difference in our community and help
those in need. Please join Pima Federal
in giving back to the community and
together we can help make a difference.
Making Strides Against Breast Cancer
Making Strides Against Breast Cancer is the
American Cancer Society’s premier event
to raise awareness and funds to fight breast
cancer. The event is more than just a walk;
it is an opportunity to come together as a
community to help defeat this disease. On
October 16, 2016 Pima Federal employees,
friends, and families came together to
celebrate breast cancer survivors and raise
money to fund lifesaving research and
support programs for those affected by this
horrible disease.
delivery service, holding multiple bake
sales, and selling pink awareness ribbons
at all financial centers. Pima Federal team
members also had the opportunity to wear
pink and dress casual on Fridays by making
a contribution to the Making Strides Against
Breast Cancer fund.
This year, our employees wanted to take
our community involvement efforts a
step further, and came together as a team
to raise funds for this cause throughout
the entire month of October. Employees
came up with creative ways to increase
Pima Federal’s contributions, by hosting
a $5.00 breakfast sale, organizing a coffee
We are so proud of our teams combined
efforts to raise $2,140 for this deserving
cause. Thank you to the entire Pima
Federal family–members, volunteers,
and employees, for your support and
contributions!
Annual Meeting
APRIL 18
at the Marriott
University Park
Smart. Simple. Personal.
This year’s annual meeting will be held
on Tuesday, April 18 at the Marriott
University Park and will begin at 6:00 pm
and end at 7:30 pm. This annual meeting
is exclusively for members of Pima
Federal and we kindly ask that you please
bring verification of membership with
you (membership card, debit card, check,
etc.). We look forward to seeing you there!
Pima Federal Credit Union
3
Meet the Team
Springerville Financial Center
This regular series will introduce departments across Pima
Federal Credit Union and provide insight into their motivations,
challenges and reasons for choosing to work at Pima Federal.
This month, meet a financial center manager and her team who
work together to build and maintain positive relationships with
our members at our Springerville Financial Center.
Department: Springerville
Financial Center
Left to Right: Jennie Pesina, Senior Teller; Tammy Moya, Assistant Financial
Center Manager; Margaret Coalter, Financial Center Manager; Savannah Baer,
Teller Associate; Justin Jourdan, Teller Associate.
What are the department’s
main responsibilities?
The top priority at the
Springerville Financial
Center is to provide excellent
member service at each
and every interaction to the
members of the Springerville/
Eagar areas and surrounding
communities. Through a
personalized approach we
strive to offer efficient and
accurate service consistently;
whether it’s helping you
Margaret Coalter,
open a new account to
Financial Center Manager
booking your auto loan, our
knowledgeable staff is here to help guide our member’s through
their financial stages in life.
Center back in 2004 and has done an exceptional job at building so
many valuable relationships with our members in the community.
After 21 years of service, Linda has retired and we are committed
to continuing on the path of building and embracing many more
positive member relationships. Our staff is highly motivated and
enthusiastic about helping to enrich the lives of the people in
our community and is committed to doing so by living our credit
union’s shared values.
What do you like best about working at Pima and your
department?
The best part about working at Pima is our members and the
long lasting relationships we are able to build with them. Being
in a small community provides a unique opportunity for us to get
to know our members by name and understand their personal
financial needs. I enjoy working for a credit union that has a strong
desire to remain committed to the credit union philosophy of
people helping people. This commitment is displayed through
Pima Federal’s shared values which is the driving force behind all
that we do. Though the credit union continues to grow, the closeknit, family like atmosphere and comradery between staff remains.
Quote from Margaret Coalter, Financial Center Manager: I’m
very passionate about the credit union movement and appreciate
how Pima Federal has embraced it. Our culture is healthy and
refreshing in today’s world. Our member’s financial wellbeing is
our primary concern and we take pride in helping them achieve
their financial goals. It is rewarding to go home at the end of the
day knowing you have truly helped make a positive impact in
someone’s life.
What are the biggest challenges and rewards?
At times, being in a rural area can be a challenge in terms of
resources and technology; however, we are extremely resilient and
strive to come together as a team to overcome any challenges. We
are so grateful for the experts in our Information Technology (I.T.)
department who ensure we have the best technology available
to better serve our members. It is incredibly rewarding to have
a member come in with financial challenges and be able to help
them build up their financial strength so that they can get one step
closer to their goals in life.
What’s one thing happening in your department right now
that people should know about?
The staffing transition is a big deal for our financial center. Linda
Harkins was instrumental in opening the Springerville Financial
Smart. Simple. Personal.
What is something most people do not know about you, your
employees and your department?
Not only do our tellers at the Springerville Financial Center assist
members with their standard transactions, they strive to go
above and beyond their responsibilities to assist members from
troubleshooting account questions, fraud disputes, debit card
inquiries, and much more. We work very well together as a team
and share a common interest of helping others and improving the
lives of our community.
A Message from Linda Harkins, Retired Financial Center
Manager: In our business it is all about the members. Pima
Federal’s executive team and the Board of Directors have always
understood that and have worked hard to develop a vision,
mission, and shared values that inspire us as employees. Always
remember that a happy member will always remember. I am
confident Pima Federal will never forget its roots as a credit union
and will continue embracing the credit union philosophy of people
helping people.
Quote from Bruce Baca, Chief Retail Officer: We would like
to invite every member of the Springerville/Eagar communities
to visit our Springerville Financial Center to help us celebrate
the promotion of Margaret Coalter as your new Financial Center
Manager. I am confident Margaret will continue to work hard to
earn your business by delivering on our Common Purpose of
Helping Others and by living our Value Promise of Smart. Simple.
and Personal. Retired manager, Linda Harkins, did an outstanding
job of preparing us for the future. We are building something special.
Pima Federal Credit Union
4
Board Elections
Committee, Pima Federal Credit Union,
P.O. Box 50267, Tucson, AZ, 85703.
There are two terms expiring on
Pima Federal’s Board of Directors. In
accordance with the credit union’s
bylaws, the Nominating Committee
nominated two candidates, both
incumbents, for the vacancies. A
brief biography of each candidate is
included. Please take a few minutes
to look over their credentials and
accomplishments. In the event other
Pima Federal members would like to
run for the Board of Directors, please
follow the instructions below.
Pima Federal’s seven-person Board
of Directors is comprised of members
who volunteer their time working with
management to set policy and oversee
the credit union. Board positions
are held for a three-year term. Pima
Federal members may run for the
Board by mailing a petition signed by
500 members to: Chair, Nominating
The petitions must be received by
March 9, 2017. Each candidate must
be at least 18 years of age. Employees
and members of their immediate
families are not eligible for the Board.
All candidates nominated either by the
nominating committee or by petition
must be placed before the members.
All elections are determined by plurality
vote and will be by ballot except
when there is only one nominee for
each position to be filled. If petitions
are received, nominations will be
posted in a conspicuous place in each
financial center no later than March
14, 2017. If no petitions are received,
the nominations provided by the
nominating committee will be voted on
at the annual meeting on April 18, 2017.
Candidates for the Board of Directors
Linda Kennedy (Incumbent, 3 years)
Desert Energy Credit Union Board Member
for over 25 years
Corporate Secretary for Tucson Electric Power
Company (TEP)
TEP employee for 36 years
Deeply involved with various community organizations
Married with one daughter
James Knoff (Incumbent, 1 year)
Supervisory Committee member with Pima Federal
for 7 years: appointed to the Board in 2015
Retired after 25 years from Pima Federal as
President/CEO
Supervisory Committee member with Tucson Old
Pueblo Credit Union
Audit Committee member with Redeemer
Lutheran Church
Graduate from the University of North Dakota
Married with two children, one grandchild, two
great grandchildren
New Year, Smart Choices
What better time to make smart choices on
your finances then now? We recommend
consolidating debt to one place or one card
to simplify things. No matter how you decide
to handle your finances, the important thing
is that you feel good about your decision. Our
two credit card options were created to provide
our members with choices to feel great about
their finances! You can consolidate your existing
credit card balances into our special rate of
2.99% APR* for 15 months. For details, visit
www.pimafederal.org/credit-cards.
*APR=Annual Percentage Rate. Introductory offer begins at
VISA® account opening and last for 15 months on all balance
transfers. Cash advances subject to standard rate. When
introductory period ends, this rate will return to the standard
rate. After 15 months your APR will be 9.24% to 17.99% based
on your creditworthiness. This APR varies with the market
based on Prime Rate. Stop by any Pima Federal location
or visit www.pimafederal.org/credit-cards for full details.
Additional fees and finance charges may apply.
Announcements
Notice to Members:
Please be advised effective February 10, 2017 Pima Federal will
increase our insufficient funds fee (per presentment of each item
including ATM/Debit and courtesy pay) from $28.00 to $29.00.
Pima Federal is committed to keeping fee increases to a minimum
and providing you with solutions to help you meet your financial
needs. Thank you for your continued membership.
Update to Service Hours:
Holiday Closures:
Starting January 1st, all financial
Jan 2 New Year’s Day Observed
centers will now open at 9am
Jan 16 Martin Luther King Day
on Wednesdays. For a full listing
Feb 20 President’s Day
of service hours, please visit our
website, pimafederal.org/locations.
FOLLOW US FOR NEWS, CONTESTS, & MORE
CONCTACT US:
520.887.5010
pimafederal.org
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by NCUA
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Pima Federal Credit Union
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