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In This Issue

Member Matters is DCCU's quarterly newsletter that features credit union news, member stories, and more!

President & CEO, Steve F. Elkins

Supporting the Best Interests of our Members

One of the qualities that sets our financial cooperative apart is the emphasis we place on returning value to our members. DCCU continues to look for ways to support the financial wellness of our members, which is especially important during uncertain economic times.  

Kim McClamoroch and Jay Hutchens

Leading You Through the Mortgage Journey

When it comes to big decisions like purchasing or refinancing your home, choosing the right mortgage lender can be just as important as finding your ideal home. DCCU is here to lead you through the journey, from start to finish.

Windward Pointe Member Center

Windward Pointe Member Center Now Open

DCCU’s 14th location is now open to serve you! Located in the Food Lion shopping center in Fishersville, Windward Pointe is adjacent to our two drive-up ATMs and offers our members another convenient banking option. 

DCCU Announces Candidates for 2023 Board of Directors

The Governance Committee has nominated Connie A. Fahey, Drew Ellen Gogian, and David A. Kirby as candidates for election to DuPont Community Credit Union’s Board of Directors for 2023. Learn more about the candidates and the election process. 

Shop and Give Campaign Nets $20,000 Donation to the Blue Ridge Area Food Bank

During a special credit card campaign held in July and August, DCCU awarded members 3X rewards points or 2% cash back when they used their DCCU Credit Card for grocery purchases. In turn, DCCU pledged to donate 1% of grocery spend to the Blue Ridge Area Food Bank up to $20,000!

DCCU Receives Recognition for 2021 Credit Card Campaign

The Virginia Credit Union League recently announced DCCU as the winner of the 2022 Louise Herring Philosophy In Action Award in the over $1 Billion asset size category.

Employee Spotlight

35 Years of Service
Cindy Nuckoles

15 Years of Service
Frank Vaughn
Jennifer Surgener

10 Years of Service
Cassandra Engstrom
Jessica Hanger
Joshua Trombley

5 Years of Service
Derrick Gingerich
Fallon Wright
Jami Painter
Joshua Johnson
William Adamson

Promotions
Amanda Mowbray - Senior Member Advisor
Ariadna Sandoval - Senior Member Representative
Felicia Fitzgerald - Senior Member Representative
Katie Baska - Senior Member Representative
Kelly Brown - Senior Member Advisor
Monica Dean - Senior Member Representative
Wendy Curl - Junior Card Services Advisor

President's Desk

Supporting the Best Interests of our Members

A message from DCCU's President/CEO, Steve F. Elkins

One of the qualities that sets our financial cooperative apart is the emphasis we place on returning value to our members. DCCU continues to look for ways to support the financial wellness of our members, which is especially important during uncertain economic times.  

Providing consultative service is one of the most important ways we return value to our members. When you interact with DCCU online, by phone, or in-person at one of our 14 Member Centers, you can have peace of mind knowing that we are advocating on your behalf making sure you have considered the options and arrive at a solution that makes the most sense for your unique situation. Making recommendations that best support your financial needs is our top priority and I encourage you to think of DCCU first with any questions you may have.

While service is at the forefront, technology is another important way our cooperative provides value. Our goal is to make banking as convenient as possible. We continue to invest in technological enhancements that allow you to easily manage your finances in a variety of ways. Recent updates to our website and mobile banking platforms mean you can access your accounts, apply for loans, and read the latest updates about DCCU more efficiently. We also introduced Personal Teller Machines (PTMs) at our Windward Pointe Member Center, which provide innovative banking with a personal touch. These machines offer the best of both worlds – the convenience of self-service if you prefer, with personalized support when you need it. If you’re in the Fishersville area, I hope you will stop in and give our PTMs a try. More information, including a virtual tour, is available at mydccu.com/windwardpointe.

While DCCU offers all of the products and services you need – checking, savings, loans, investments – we also look for ways to provide a greater return for our members. Throughout the year, we hold special promotions that offer a variety of value-adds that help support your financial health. Examples include lowering interest rates on loans, providing additional credit card cash back or rewards points, and paying home equity closing costs and appraisal fees. Our current auto loan promotion, which pays you 90 days of interest up front, is a great example of how we focus our campaigns on providing value for our members. 

Personal service, innovative technology, competitive products, and local convenience are some of the ways we return value to our members. Being part of a cooperative means you are a member-owner. The more you utilize your credit union, the more value we are able to return to you and the rest of the membership. It’s a cycle that doesn’t stop and it helps make DCCU even stronger. You have more choices than ever these days when it comes to banking, and that is why I am grateful for your continued support of our cooperative.

Feature Story

Leading You Through the Mortgage Journey

For decades, DCCU has been serving the mortgage needs of our members. Rooted in the Shenandoah Valley, DCCU’s mortgage team is available to assist with every facet of the home buying process. In today’s complex mortgage environment, it is important to choose a local mortgage lender with advisors who understand the market and a variety of loan options that fit your needs. When you are ready to buy a home or refinance your current home, DCCU is here to lead you through the journey, from start to finish.

There are numerous available options when it comes to selecting a mortgage lender, and sometimes it is hard to know how to choose. One of the most important first steps in the home buying process is to establish a connection with a financial institution that has your best interests in mind. “At DCCU, we have a team of experienced Mortgage Advisors who are knowledgeable about the local housing market and passionate about helping our members realize their dream of homeownership,” said Jay Hutchens, DCCU’s Mortgage Sales Manager. “They will ask about your plans and situation, give you straightforward information about your home financing options, and make sure you have the facts you need to make an informed decision.”

Choosing the right mortgage loan is another important part of the home buying journey. DCCU has a wide range of mortgage loans with flexible terms that fit your individual needs. A fixed-rate mortgage may be ideal if you are planning to remain in your home for a longer period of time and prefer the comfort of knowing your rate will remain the same for the life of the loan. If you are only planning to stay in your home for a few years, perhaps an Adjustable Rate Mortgage (ARM) is better for you. ARMs typically feature a lower rate early in the term that will adjust over time. “Our new 5/5 ARM may provide peace of mind compared to a traditional ARM, and a lower rate than a traditional fixed rate mortgage,” said Jay. “I encourage you to reach out to one of our Mortgage Advisors to learn more.” DCCU also offers Government Loans – FHA, VA, and the USDA Rural Development Loan – that could be a good choice for first time homebuyers.

In addition to having a knowledgeable team of Mortgage Advisors and a variety of loan options, DCCU also has a local team working behind the scenes making the loan decisions, and also processing and underwriting the loans. “Because the mortgage process can be complicated, it is helpful to know you have a dedicated team working hard on your behalf,” said Kim McClamroch, DCCU’s Mortgage Loan Manager. “Our experienced team of professionals maintain communication with you throughout the process with a focus on closing as efficiently as possible and on time.”

When it comes to big decisions like purchasing or refinancing your home, choosing the right mortgage lender can be just as important as finding your ideal home. DCCU has a full range of mortgage loan options with rates and terms that fit your budget. “Whether you are interested in buying or refinancing a home, or just starting to weigh your options, it is never too early to get the conversation started with one of our Mortgage Advisors,” said Jay. “DCCU is committed to helping ensure our members’ mortgage journey is as smooth as possible by providing support and guidance every step of the way,” said Kim.

DCCU Announces Candidates for 2023 Board of Directors

The Governance Committee has nominated the following members as candidates for election to DuPont Community Credit Union’s Board of Directors for 2023:

  • Connie A. Fahey
  • Drew Ellen Gogian
  • David A. Kirby

There are two expiring terms for positions currently held by Drew Ellen Gogian and David A. Kirby. If a member desires to serve on the Board of Directors, but has not been nominated by the Governance Committee, he/she may be nominated by petition, which must be signed by at least 500 DCCU members. The petition forms and procedures are available by email to nominations@mydccu.com and must be submitted by Monday, October 31, 2022. 

Ballots will be distributed in January when the election period begins. 

Connie A. Fahey

Connie A. Fahey

Drew Ellen Gogian

Drew Ellen Gogian

David A. Kirby

David A. Kirby

Shop and Give Campaign Nets $20,000 Donation to the Blue Ridge Area Food Bank

At DCCU, we care about our members and the community. During a special credit card campaign held in July and August, DCCU awarded members 3X rewards points or 2% cash back when they used their DCCU Credit Card for grocery purchases. In turn, DCCU pledged to donate 1% of grocery spend to the Blue Ridge Area Food Bank up to $20,000!

Thanks to the support of our members, we will donate $20,000 to the Blue Ridge Area Food Bank, which will help them provide approximately 80,000 meals to families in our community. The timeliness of this campaign reflects DCCU’s commitment to supporting the community, especially now as inflation continues to drive up the cost of groceries and more families are turning to food banks for support. 

DCCU Receives Recognition for 2021 Credit Card Campaign

The Virginia Credit Union League recently announced DCCU as the winner of the 2022 Louise Herring Philosophy In Action Award in the over $1 Billion asset size category. DCCU received first place for its unique community campaign – Make a Difference when you DIY – which awarded cardholders with additional credit card rewards when making purchases at do-it-yourself retailers.

Additionally, DCCU donated 1% of all DIY purchases, a total of $28,291, to local Habitat for Humanity affiliates. DCCU’s winning entry will be considered for CUNA’s National Award, which will be announced at a later date.

Financials

August 31, 2021
Assets                 $1,709,405,006
Savings               $1,529,436,774
Loans                  $964,647,830
Members             115,164

August 31, 2022
Assets                   $1,818,732,322
Savings                 $1,662,369,602
Loans                    $1,029,960,171
Members               117,926

Your Credit Union Leadership

Board of Directors

  • Everett J. Campbell, Jr., Chair
  • Angela M. Simonetti, Vice Chair
  • Janet P. Mangun, Secretary
  • Michael P. Blinn, Treasurer
  • Marvin G. Copeland, Jr., Director
  • Drew Ellen Gogian, Director
  • David A. Kirby, Director
  • Connie A. Fahey, Associate Director
  • Christopher D. Terry, Associate Director
  • Steve F. Elkins, President/CEO

Supervisory Committee

  • Bruce F. Hamrick, Chair
  • Eugene F. Walker, Secretary
  • Wesley B. Wampler, Member
  • Jeff A. Miracle, Member
  • Robin W. Ruleman, Member
  • Marissa S. Helmick, Associate Member

Governance Committee

  • Angela M. Simonetti, Committee Chair
  • Drew Ellen Gogian, Board Director
  • Marvin G. Copeland, Jr., Board Director
  • Mary Louise Leake, Member
  • David A. Passmore, Member

Previous Issues

Spring 2022

Building a Deeper Relationship with DCCU

Spring 2022

Building a Deeper Relationship with DCCU

Winter 2022

Serving Our Members with Purpose