www.townandcountry.org • 701.852.2018 • Federally Insured by NCUA FARGO Tuesday, April 25 th | 7pm Ramada Plaza Conference Center 1635 42nd Street South, Fargo MINOT Wednesday, April 26 th | 7pm Grand Hotel 1505 North Broadway, Minot loan disclosure Effective April 1, 2017 the variable interest rate based on the Wall Street Journal Prime Rate and Town & Country Credit Union internal loan index will increase by .25%. Please contact the loan department with any questions. Pick up your FREE Tickets to the game at any Fargo TCCU starting May 1. Get a FREE TCCU Baseball at the Game!! TCCU NIGhT AT ThE F-M REdhAWkS WEDNESDAY, JUNE 14 RydER PICNIC THURSDAY, JUNE 15 kENMARE TACo IN A BAG THURSDAY, JUNE 15 The Board of directors of Town & Country Credit Union and Capital Credit Union are pleased to announce that they have agreed to pursue a possible merger. The potential merger is contingent upon successful due diligence, an affirmative membership vote and regulatory approval. Capital Credit Union and Town & Country Credit Union are both healthy, financially strong organizations that continue to experience growth. A merger between the credit unions would provide additional convenience to members with 20 branch locations paired with the technology that each credit union has to offer. The merger is an incredible opportunity for Town & Country Credit Union, its members and employees. Combining resources will provide the ability to take advantage of the key strengths of each credit union, providing an even more attractive portfolio of products and services for members. A vote has been scheduled for Tuesday, April 25 in Fargo and Wednesday, April 26 in Minot. A special meeting notice will be mailed to all members in April. Visit www.townandcountry.org for more details and for a list of frequently asked questions. delRae Geinert grew up on a dairy farm in rural North dakota and graduated from Towner high School. She attended Minot State University and graduated in 2004 with a double major, earning a Bachelor of Science degree in Accounting and Finance. delRae has been a licensed REALToR® since 2004, obtaining her Brokers license in 2009. As one of the owners and current president of Brokers 12 Real Estate, she actively markets herself and her team as “Team Rockstars.” delRae is active in the Minot community and volunteers with many organizations including Backpack Buddies, Meals on Wheels, Souris Valley United Way, Minot State University and the Salvation Army. She is a member of the Minot Board of Realtors, Minot Association of Builders, Minot young Professionals and Minot Area Chamber of Commerce. She is married to Matt Geinert, one of the owners of local construction company, Future Builders. They have two daughters, Ivy (3) and Violet (2). In their spare time, they enjoy being at the lake, gardening, golfing, and spending time appreciating the outdoors. April 2017 our employees donated money to the United Way to wear jeans each Friday throughout 2016. That donation was then matched by Town & Country Credit Union. In Fargo we donated $3,122 to the United Way of Cass-Clay. In Minot, $4,000 was donated to the Souris Valley United Way. Pictured left to right: Travis Christopher from United Way of Cass-Clay and TCCU Employees Tera heiser, Jessica Meyer, Lindi Lettenmaier and Matt Tedrick. potential merger announced Upcoming events “Building Trusted Financial Relationships Through Personalized Service.” ThANk yoU ThURSdAy JUNE 1 - AUGUST 31 Meet DelRae, Our Newest Board Member (78th Annual Meeting Recap, continued from page 3) Credit union employees and board members recently traveled to Washington d.C. to visit with the Nd congressional delegation about the regulatory burden and to remind them of the important role credit unions play in the lives of our members. Regulatory burden is playing a role in the declining number of credit unions throughout the country. 50 years ago there were 24,000 credit unions and as of december 31, 2016 there were only 5,906; industry experts expect that number will continue to decline. one size fits all regulation does not work for credit unions and legislators need to know this. he ended his report by commenting on the importance of members remaining vigilant against scams. The credit union continues to have members fall victim to fraud and scams. he reminded everyone that they should never give out private information to someone who has called them and be mindful of scams where someone may call and impersonate a grandchild or loved one and request gift cards or money be sent to help them. Lastly, the results of the Board of director election were shared at the Minot meeting. The nominating committee submitted Jim Anderson, delRae Geinert and Gordon olson as candidates, with two seats open. No members petitioned to be on the ballot. Jim Anderson was re-elected for the kenmare seat and delRae was elected for the Minot seat, both will serve a three year term. At the 74th annual meeting the credit union began donating the annual meeting ticket sales to non-profits chosen by our staff. The credit union also matches that donation, doubling the annual meeting ticket sales and doubling the impact that it has on non-profits. Fargo credit union employees voted to donate $630 to 4 Luv of dog Rescue. In Minot, credit union employees voted to donate $920 to the Make-A-Wish North dakota. Checks were presented to each organization during the meeting. In Minot, a statement was read from Victoria Schrantz, Communications and operations Coordinator of Make-A-Wish thanking members for their donation. In Fargo Matt Braun, a volunteer with the 4 Luv of dog Rescue, spoke about the mission of their organization and how the donation will help them serve the community. STANLEy BBQ FRIDAY, JUNE 2 Town & Country Credit Union presented a check to 4 Luv of dog Rescue at the Annual Meeting held in Fargo. Pictured left to right: darrell olson, TCCU President/CEo, Gordon olson, Board Chairman and Matt Braun, 4 Luv of dog Rescue Volunteer. kENMARE BRATS IN ThE PARk THURSDAY, JULY 13 MINoT SPECIAL oLyMPICS GoLF ToURNAMENT MONDAY, JULY 17 Souris Valley Golf Course kENMARE BAkEd PoTATo BAR THURSDAY, AUGUST 17 STANLEy TACo IN A BAG THURSDAY, AUGUST 31 save the dates! FARGo MEMBER APPRECIATIoN WEEk MONDAY, AUGUST 14 THROUGH FRIDAY, AUGUST 18 Vote on the Merger Thank you to Gordon Olson for serving as a volunteer on our Board of Directors from March 2011 - March 2017
Transcript
www.townandcountry.org • 701.852.2018 • Federally Insured by NCUA
FARGOTuesday, April 25th| 7pm
Ramada Plaza Conference Center1635 42nd Street South, Fargo
MINOTWednesday, April 26th| 7pm
Grand Hotel1505 North Broadway, Minot
loan disclosureEffective April 1, 2017 the variable interest rate based on the Wall Street Journal Prime Rate and Town & Country Credit Union internal loan index will increase by .25%. Please contact the loan department with any questions.
Pick up your FREE Tickets to the game at
any Fargo TCCUstarting May 1.
Get a FREE TCCU Baseball at the Game!!
TCCU NIGhT AT ThEF-M REdhAWkS Wednesday, June 14
RydER PICNICThursday, June 15
kENMARETACo IN A BAGThursday, June 15
The Board of directors of Town & Country Credit Union and Capital Credit Union are pleased to announce that they have agreed to pursue a possible merger. The potential merger is contingent upon successful due diligence, an affirmative membership vote and regulatory approval.
Capital Credit Union and Town & Country Credit Union are both healthy, financially strong organizations that continue to experience growth. A merger between the credit unions would provide additional convenience to members with 20 branch locations paired with the technology that each credit union has to offer.
The merger is an incredible opportunity for Town & Country Credit Union, its members and employees. Combining resources will provide the ability to take advantage of the key strengths of each credit union, providing an even more attractive portfolio of products and services for members.
A vote has been scheduled for Tuesday, April 25 in Fargo and Wednesday, April 26 in Minot. A special meeting notice will be mailed to all members in April.
Visit www.townandcountry.org for more details and for a list of frequently asked questions.delRae Geinert grew up on a dairy farm in rural North dakota and graduated from Towner high School. She attended Minot State University and graduated in 2004 with a double major, earning a Bachelor of Science degree in Accounting and Finance.delRae has been a licensed REALToR® since 2004, obtaining her Brokers license in 2009. As one of the owners and current president of Brokers 12 Real Estate, she actively markets herself and her team as “Team Rockstars.”delRae is active in the Minot community and volunteers with many
organizations including Backpack Buddies, Meals on Wheels, Souris Valley United Way, Minot State University and the Salvation Army. She is a member of the Minot Board of Realtors, Minot Association of Builders, Minot young Professionals and Minot Area Chamber of Commerce.She is married to Matt Geinert, one of the owners of local construction company, Future Builders. They have two daughters, Ivy (3) and Violet (2). In their spare time, they enjoy being at the lake, gardening, golfing, and spending time appreciating the outdoors.
april 2017our employees donated money to the United Way to wear jeans each Friday throughout 2016. That donation was then matched by Town & Country Credit Union. In Fargo we donated $3,122 to the United Way of Cass-Clay. In Minot, $4,000 was donated to the Souris Valley United Way.
Pictured left to right: Travis Christopher from United Way of Cass-Clay and TCCU Employees Tera heiser, Jessica Meyer, Lindi Lettenmaier and Matt Tedrick.
potential merger announcedupcoming events
“Building Trusted Financial Relationships Through Personalized Service.”
ThANk yoUThURSdAy
June 1 - augusT 31
Meet delrae, Our newest Board Member
(78th Annual Meeting Recap, continued from page 3)
Credit union employees and board members recently traveled to Washington d.C. to visit with the Nd congressional delegation about the regulatory burden and to remind them of the important role credit unions play in the lives of our members. Regulatory burden is playing a role in the declining number of credit unions throughout the country. 50 years ago there were 24,000 credit unions and as of december 31, 2016 there were only 5,906; industry experts expect that number will continue to decline. one size fits all regulation does not work for credit unions and legislators need to know this. he ended his report by commenting on the importance of members remaining vigilant against scams. The credit union continues to have members fall victim to fraud and scams. he reminded everyone that they should never give out private information to someone who has called them and be mindful of scams where someone may call and impersonate a grandchild or loved one and request gift cards or money be sent to help them. Lastly, the results of the Board of director election were shared at the Minot meeting. The nominating committee submitted Jim Anderson, delRae Geinert and Gordon olson as candidates, with two seats open. No members petitioned to be on the ballot. Jim Anderson was re-elected for the kenmare
seat and delRae was elected for the Minot seat, both will serve a three year term. At the 74th annual meeting the credit union began donating the annual meeting ticket sales to non-profits chosen by our staff. The credit union also matches that donation, doubling the annual meeting ticket sales and doubling the impact that it has on non-profits. Fargo credit union employees voted to donate $630 to 4 Luv of dog Rescue. In Minot, credit union employees voted to donate $920 to the Make-A-Wish North dakota. Checks were presented to each organization during the meeting. In Minot, a statement was read from Victoria Schrantz, Communications and operations Coordinator of Make-A-Wish thanking members for their donation. In Fargo Matt Braun, a volunteer with the 4 Luv of dog Rescue, spoke about the mission of their organization and how the donation will help them serve the community.
STANLEy BBQFriday, June 2
Town & Country Credit Union presented a check to 4 Luv of dog Rescue at the Annual Meeting held in Fargo. Pictured left to right: darrell olson, TCCU President/CEo, Gordon olson, Board Chairman and Matt Braun, 4 Luv of dog Rescue Volunteer.
kENMAREBRATS IN ThE PARk
Thursday, July 13
MINoT SPECIAL oLyMPICS GoLF ToURNAMENT
MOnday, July 17Souris ValleyGolf Course
kENMAREBAkEd PoTATo BAR
Thursday, augusT 17
STANLEyTACo IN A BAG
Thursday, augusT 31
save the dates!
FARGo MEMBERAPPRECIATIoN
WEEkMOnday, augusT 14
ThrOughFriday, augusT 18
Vote on the Merger
Thank you to Gordon Olson for serving as a volunteer on our Board of Directors from March 2011 - March 2017
Fargo Financial Services officer Liz Schulz has successfully passed the required exams and earned the designation of Certified Credit Union Financial Counselor (CCUFC).
This designation and associated coursework allow Liz the ability to confidently guide members through financial situations, ultimately helping them reach their financial goals. “our mission with each of our credit union members is to build trusted financial relationships through personalized service. Trained financial counselors, that can provide members with financial expertise, is key to fulfilling that mission,” commented darrell olson, President and CEo.
Liz Schulz is a Branch Manager of the credit union’s West Fargo location. She specializes in personal loans, checking and savings accounts as well as home equity loans (NMLS#1116118). She can be reached by calling her at 701-356-1809 or by email at [email protected].
sChulZ earns CCuFC designaTiOn
hires & promotionsToNy WALz recently joined Town & Country Credit Union as a Financial Services officer. his primary focus will be providing personalized financial services for members through consumer loans, home equity / residential lot loans as well as VISA’s and deposit products such as IRA’s, savings and checking accounts.
Walz earned a degree in economics from Minnesota State University Moorhead. he has over fourteen years of experience in the financial industry, from consumer lending to new accounts, 2nd mortgages and hELoCS.
Tony (NMLS #270908) is located in our 52nd Avenue location, 5181 38th Ave South, Fargo, Nd 58104. he can be reached at 701-356-1804.
PENELoPE (NEL) RASMUSSEN has been promoted to Branch Manager of the Town & Country Credit Union kenmare office. originally from kenmare, she has been employed at the credit union since 2016 and previously held the role of Member Services Representative.
In her new position she will be providing personalized financial services for members through consumer loans and deposit products including IRAs, savings and checking accounts.
Nel can be reached in the kenmare office at 108 Central Avenue North or by calling 701-385-4051
is back starting June 1st!Town & Country Credit Union would like to say ThANkS for being a member. Stop in at any Town & Country office every Thursday (Friday in Ryder) this summer to get a special treat.
Each week will feature something different, so be sure to come by every week on Thursday from June 1st through August 31st!
kARNA TAFT has been promoted to Vice President, Business development. She joined the credit union in 2013 taking on the role of Plastics Coordinator, she was later promoted to Member Services Supervisor and most recently was named Assistant Vice President, Member Services. In her new role she will be responsible for the oversight of the credit union’s consumer deposit and loan growth, supervising the daily operational activities of members services and plastics department, and managing processes, procedures and regulatory requirements. Taft has 14 years of experience in the financial industry with 11 years of management experience. She is a Minot native and attended Minot State University where she earned a Bachelor’s degree in Management Information Systems and a minor in accounting.
LAURA BRyANT has been promoted to Member Services Supervisor. Bryant has been with the credit union since February 2015 when she started as a Member Services Representative,she was later promoted to Lead Member Services Representative. In her new role she will be responsible for supervising the day-to-day operational activities of the front-line staff while ensuring processes and procedures meet regulatory requirements. originally from Mohall, Bryant graduated from Minot State University with a Bachelor of Science degree in Business Management.
Town & Country receives champion award
Shown in photo from left to right: NdhFA Executive director Jolene kline, Town & Country Credit Union Executive Mortgage officers; Lisa Thuner, Peter Johnson, Renata Buen and Nd Ag Commissioner doug Goehring. Photo credit “Layn Mudder, LPT Images”
Town & Country Credit Union has been named a Champion of Affordable housing by the North dakota housing Finance Agency (NdhFA).“The Champion awards recognize and celebrate the work of individuals, non-profit organizations, public agencies, and private sector businesses that make exceptional affordable housing contributions in North dakota,” said Jolene kline, NdhFA executive director. The award was announced during the NdhFA Statewide housing Conference in February. This is the third time that Town & Country Credit Union has received this recognition.The Champions of Affordable housing awardees are selected based on market penetration and loan production, special programs used, their portfolio performance and loan quality. “We take great pride in again receiving this recognition from the NdhFA. our mortgage team consists of experienced professionals who make it their life’s work to provide financing solutions for members within the communities we serve,” commented darrell olson, President and CEo of Town & Country Credit Union.
Thank you to the more than 300 members who made plans to attend the 78th annual meetings in Fargo and Minot. This year’s meeting featured a Chairman of the Board Report by Chairman Gordon olson, a Presidents Report by President/CEo, darrell olson and the results of the contested board member election.Chairman olson opened his report by sharing a quote by philosopher William James who said, “New ideas are first condemned as ridiculous, then they are dismissed as trivial, then finally they become what everyone knows.” Chairman olson related this quote to the proposed merger with Capital Credit Union and technology. he went on to explain that the Board of directors have signed a pre-merger agreement with Capital Credit Union and are seriously considering a merger. The merger process will first include a time of
due diligence, if all goes well the membership will then receive notification of a special meeting to discuss the merger and have a vote. he directed members to the Town & Country Credit Union website for more information. Next he talked about the credit union’s continued advancement in technologies. In 2016, the credit union launched a mobile app allowing members to complete many of the transactions that they would normally have done in a physical branch location. he commented on the efficiencies that are gained by members utilizing the mobile app instead of coming into a location. during President olson’s report he took the time to explain the important role that Town & Country Credit Union and its members play in the legislative process. (continued on back page)
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