It’s that time when we reflect on the past year and look forward to the next. We are grateful for your understanding and cooperation through a year of tremendous change. We know that every member-touching change that we implemented caused inconvenience. We believe that the changes are going to provide better service and will allow for more customization over time. You have been amazing through all the changes, card compromises, and requests for patience with us. Look for an improved mobile banking product mid-year 2015 with many enhancements, including one that will allow you to deposit by taking a photo of your check.

In April we opened our newest full-service office in Flint Township. If you haven’t yet visited this new office please stop by! In 2015 we have plans to open a beautiful, new state of the art Flushing office right across from our current Flushing location.

Our Relationship Rewards program has provided great value to our members utilizing the offer. In 2014, over 12,000 OD Fees have been covered with points and over $230,000 has been cashed in for travel and gifts. Be sure to cash in on the reward points you’re earning just for doing business with ELGA.

We ended 2014 with a record breaking number of loans written. Most of which were requested by phone and were completed and signed electronically. This option offers you convenience like never before. We’re working on an improved online application that will provide another easy channel to borrow money from your Credit Union. We ask you to always think of us when you need to borrow.

We continue to be a market leader in the rates you’re earning on your accounts with our Kasasa Cash account paying 2% APY with easy monthly requirements (direct deposit or auto payment, debit card usage, online banking login, and eStatement). Be sure to check out our top of market IRA and Elite rates too! We also have a full service investment team ready to help you with your long term plan.

I want to thank you, our awesome members, as well as our amazing associates for working through this incredible year. I also want to mention that our associates donated over 2,400 hours helping in the community in addition to the long hours they put in at the branches. You have made it a joy to come to work every day, as we work to make a positive difference in each other’s lives. We look forward to building a lifelong relationship with you!

In gratitude,

Karen was introduced to the credit union philosophy of “People Helping People” working a co-op position at ELGA Credit Union her senior year in high school. She returned to ELGA Credit Union in 1978 to further develop her credit union career and was named CEO in 1993. Karen has seen ELGA grow from a one branch, three million dollar credit union with five employees, to an over three hundred seventy four million, eight branch credit union employing 150. She is especially proud of her associates as they are committed to serving others and they work to improve member’s financial well-being while building lifelong relationships.

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