Thank you to all who responded to our web survey!  If you would like us to respond to your suggestions or if

you have specific questions, please provide your email address or call us at (906) 774-6020.

Suggestion:        Lower APR on credit cards to match other credit unions in area since we both use the same

                             bank.

Response:          The Visa logo may be the same on both cards, but each credit union uses its own funds and

                             independently sets it's own interest rates.

Suggestion:        Why is there a charge for using the ATM more than six times a month?

Response:           It costs the credit union about $50,000 per year to have an ATM, excluding costs

                             for manpower and overhead.  We suggest you withdraw more money at each visit so you

                             don't need as many  withdrawals each month. You may also be able to receive cash back

                             at a merchant when purchasing an item with your ATM/Debit card.

Suggestion:        Offer the ability to view member checks online.

Response:           This may be available later on, but right now it is cost-prohibitive.

Suggestion:         Time-out is too short, requiring another login to home-banking. Allow our computer to

                               remember our login and password.  Setup check page to not print all lines and make them

                              fit on a 8.5x11 page.

Response:           The time-out period used to be longer but our federal examiners mandated the shorter period.

                              We believe you have to configure your computer to remember your password and login. 

                              Try  Tools, Internet Options, Content, Auto-complete, etc.  To limit printing lines and help

                              fit them on a single sheet, try highlighting just the lines you want to print. 

                              Or print out a statement.

Suggestion:          Staff the drive-up with more people during lunch periods.

Response:            We try.

Suggestion:          Offer internet bill pay.

Response:            Cost prohibitive at this time.  Studies show the trend is paying bills at each biller's own       

                               website using a credit card in order to receive "perks".  Most recurring bills can also be

                               set up for automatic withdrawal from your credit union account through ACH.  Call Lynn

                               at (906) 774-6020.

Suggestion:         Compare savings rates with other financial institutions in the area and bump up

                              rates to attract new members and keep customers.

Response:           We do a monthly survey of all other financial institutions in our area.  Our passbook

                              dividend rate is the highest of any.  Our share certificate rates are less than others

                              because our federal examiners would frown on us taking in more deposits than we

                              can loan out.  In other words, our loan-to-deposits ratio would not be in line with

                              their standards.

Suggestion:         Require deposit slips.  Don't charge for extra deposit slips.  Don't require all joint owners

                              to sign deposited items.

Response:           We believe most members would prefer not to be required to complete a deposit slip

                              each time. There is also a security issue by providing blank deposit slips at the counter. 

                              We apologize if  someone here told you there is a 25 cent charge per deposit slip as that

                               is not true. We do not always require all joint owners to sign deposited items - it depends

                              on the type of check and the circumstances.  Government checks, insurance checks, and

                              certain trust checks may require all parties to endorse the check.  Please call Laura at

                              (906) 774-6020 for clarification.  

Suggestion:         In home-banking, increase the number of transfers allowed from account.

Response:            Federal Regulation "D" limits the number of transfers from your savings account to six per

                              month.  You may have an unlimited number of transfers from your checking account.

Suggestion:         Allow members to change passwords on debit cards and accept check deposits at the ATM.

Response:            For security reasons, our debit card issuer generates random passwords.  The only one

                              who ever sees your password is you.  If someone "found" your card and we offered the

                              ability to change passwords, you can see the problem!  Because we don't accept deposits

                              at our ATM, we installed a night deposit box adjacent to the ATM where you can make

                              your deposits.

Your savings federally insured to at least $250,000

and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency