Commonwealth. 30 yrs of Real Food Herring Award Business Success Story Year of Cooperatives Free Financial Advice

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1 Commonwealth Autumn 2012 #99 In this issue... (Click a photo to jump to that story.) 30 yrs of Real Food Herring Award Business Success Story Year of Cooperatives Free Financial Advice Celebrating Our Thirtieth Year CU at the Zoo - Our 30th Anniversary Gala On the evening of September 22nd, the Rosamond Gifford Zoo hosted 160 of our credit union s members, friends, supporters, and partners in the sold-out celebration of three decades of Finance for the People. Thanks to this overwhelming support, CU at the Zoo Cooperative Federal s 30th Anniversary Gala was a brilliant evening full of good food, conversation, and company. The event opened with a cocktail hour and silent auction gift certificates to restaurants, hotel stays, massages, food items and beautiful works of art and craft were among the Continued on Page 4 The Two Chocolatiers Lune Chocolat s Micro Business Success Story Some of the best things in life come from happy accidents. In the spring of 2011, Mike Woloszyn was completing his Master s degree in Business Administration, fully expecting to take his place in corporate America. As a thesis topic, he was assigned the chocolate industry. What should have been a paragraph about artisan chocolatiers became a life-altering passion. Mike remembers, The very first time I walked into a real chocolatier I actually fell in love with the process. He and his wife, Emily, had thought of several businesses they might try together. When they encountered real chocolate, they knew they had found something that satisfied their souls and expressed their values of authenticity and community. In fact, Mike says that, for him, it was the realness of the chocolate that led him in the direction of those values; and that, in turn, led them to Cooperative Federal. Celebración de los 30 Años de nuestra Credit Union En la noche del 22 de Septiembre, el zoológico Rosamond Gifford, acogió 160 de nuestros socios, amigos y colaboradores en la celebración de tres décadas de Financiamiento para la Gente. Gracias al intenso apoyo, CU at the Zoo Cooperativa de Crédito 30 Años Aniversario de Gala fue una noche brillante, con exquisita comida, conversación y compañía. El evento comenzó con un hora de cockteles y acción silenciosa certificados de regalo de restaurantes, alojamiento en hoteles, pase para masages, productos de comida y bellos trabajos de arte y manualidades disponibles para adquisión. Cuarentidos empresas y organizaciones donaron para este evento, y en combinación con venta de entradas y patrocinadores, este evento nos ayudó a reunir $6500, en beneficio de nuestro Programa de Educación Financiera. Acto seguido, la cena y la ceremonia de reconocimiento a los Amigos de Cooperative Federal, donde presentamos honores a algunos de las increibles personas y organizaciones, con quien hemos tenido la fortuna de trabajar. Nuestro impacto en la comunidad, no hubiera sido possible, si no hubieramos trabajado fuerte y con la asistencia de muchos de nuestros colaboradores y voluntarios, por eso estamos muy agradecidos, por los dedicados esfuerzos de estas organizaciones e individuos, así como muchos otros, quienes han contribuido a nuestro crecimiento a traves de los años. Después de la ceremonia de reconocimientos, D.R.E.A.M. Freedom Revival (DFR) ofreció un recital en vivo que Continued on Page 3 Continua en la Pagina 6 Cooperative Federal Tel: (315) Eastside Office & Mailing Address 723 Westcott Street Syracuse, NY Southwest Office Southwest Community Center 401 South Avenue Syracuse, NY Autumn 2012 Northside Office Assisi Center 800 Page North 1 Salina Street Syracuse, NY 13208

2 Cooperative Thinking A Column by Carl Mellor International Year of Cooperatives From Off Beat to Main Street During August, 2012, the New York Times published a range of articles about economic and financial subjects. There was coverage of ups and downs in the stock market, whether Greece would be abandoning the euro as its currency, and many other topics. As usual, there was scant coverage of the cooperative movement in our country. Yes, the Times has written about the increase in credit unions membership during the past four years. And yes, the paper covered the founding of a community-owned general store in Saranac Lake, N.Y. But even during 2012, declared the International Year of Cooperatives by the United Nations, national newspapers seem to regard cooperative groups as an offbeat subject, a largely local phenomenon operating on the margins of the larger economy. It s not that cooperatives have a minimal impact on our society. One in four Americans belongs to a cooperative, with the vast majority taking part in a credit union or food co-op. There are also worker cooperatives, co-op groups distributing electricity, and the People s Memorial Funeral Cooperative of Seattle, to name just a few examples. Various analysts estimate that the cooperative sector has $3 trillion in assets. Some people perceive cooperatives as best suited for cities like Ithaca, NY, or Burlington, VT, places heavily influenced by a university or college and known for their progressive culture. Yet, even a casual survey of cooperatives finds them operating around the country: in Powell, Wyoming, home of Powell Mercantile, a community-owned store; in rural Wisconsin, where the Vernon Electricity Cooperative serves roughly 11,000 households; in New Mexico, home base for La Montanita Food Co-op. It operates five stores, one in Gallup, one in Santa Fe, and three in Albuquerque. Beyond that, cooperatives, in general, are currently prospering -- as they usually do during hard times. The cooperative Continued on Page 6 Member Organization Spotlight: Syracuse Real Food Co-op Cooperative Federal has over 40 Field of Membership (FOM) organizations. Volunteers, members, and employees of these groups can join our credit union regardless of where they live or work. This spotlight is on our original FOM group, which is celebrating a major anniversary this year, too. Syracuse Real Food Cooperative 40 Syracuse Cooperative Federal Credit Union 30 - Intertwining Pasts & Parallel Futures - If the above was a football score, the Syracuse Real Food Coop would be the winner - but it s not football, its business. Being in business 40 years and 30 years respectively signifies a pair of winners. This year both organizations recognized milestone years with celebratory parties. The Syracuse Real Food Co-op began in 1972 from the garage belonging to Al and Dale, where a few households in Syracuse, NY, decided to buy produce collectively. It has since become the successful, well-managed operation that it is today. The intertwining pasts of the food co-op and the credit union started in 1982, when the Syracuse Cooperative Federal Credit Union was born and was originally housed in the back office of the Syracuse Real Food Co-op. To this day, Cooperative Federal has a deposit box at the store, so you can still shop at the Co-op and make an account deposit at the same time wasn t just about celebrating the Co-op s past. The Coop has made improvements to the interior of the store with impressive results. Thanks to a better store layout, and more Co-op storefront at 618 Kensington Road emphasis on fresh departments, sales at the Co-op have grown at the fastest rate in four years. Most of that growth has been in fresh departments: Deli, Meat, Perishables and Produce, respectively. They also have had a lot of success with the reintroduction of beer. The Co-op is a full grocery store and its compact structure helps a shopper to be able to get to their needs quickly and back out the door. Stop by and observe the changes if you haven t already, and experience the exciting new atmosphere at the Syracuse Real Food Co-op. Just as Federal Cooperative is planning ahead for their next 30 years, the Syracuse Real Food Co-op is on a parallel course planning for their next 40 years: two great organizations moving ahead in the difficult world of business. -Don DeVeau, Syracuse Real Food Co-op Marketing & Member Services Coordinator Page 2 Autumn 2012

3 Lune Chocolat, continued They weren t members at the time, but Mike says they decided to apply for a startup loan because it had the name Syracuse Cooperative [Federal] Credit Union and the more research I did, the more I felt they embraced our philosophy of keeping things local, keeping community together. Still, they thought it would be prudent to make a comparison with a larger commercial bank. The bank where Mike had been a customer for many years turned them down because of lack of managerial experience, even though, as Mike recalls, the person who we applied with says to me, I d invest in you now. In fact, I ll give you a check now if you re looking for a partner. Their experience at Coop Fed was different. They dropped off their business plan and, when they went back for a meeting with loan officer Greg Knipe, he had been through the plan with a highlighter and had lots of questions for them. They welcomed the questions. Mike says, It made me comfortable knowing that I was able to explain these questions that he had. It made me more positive that we were moving in the right direction. He and Emily feel they got the extra business insight of a partner as part of the package. That was the beginning of Lune Chocolat. In September, 2011, Mike and Emily opened their beautiful little storefront in a plaza in Manlius. The display cases are filled with handmade chocolates, each one a miniature piece of art, made from scratch. Emily, an artist by trade, studied at the Culinary Institute of America. I learned the art of chocolate actually from a wonderful German bread chef, she explains. So although people call me a chocolatier, I like to be called a chocolate artist I still do the other arts that I like in my bits of spare time. Mike speaks as if in awe about the process of tempering the chocolate, to give it that brittle snap when you bite into it. Commercial chocolate short-circuits traditional processes, for instance by adding wax to give the chocolates an artificial shine. Unlike mass-produced chocolate, or even chocolates that are assembled locally from pre-processed chocolate and fillings, Lune Chocolat is made with local butter and hormone-free cream that is not ultrapasturized. In addition to traditional fillings, such as nuts, coffee and vanilla, Lune uses local honey, herbs, fruits and vegetables even some that the couple grow in their garden. Their Facebook page alerts followers to their ongoing experiments, such as chocolates made with local craft beers, or fresh organic carrots and ginger. Since chocolate can be grown only at the equator, Lune buys theirs from a socially responsible manufacturer on the Pacific coast of Colombia. According to their web site, Our chocolate comes from small family run farms. There is a research and development facility to assist the cacao farmers with whatever they need. There is no use of pesticides or chemical fertilizers on our chocolate. As they ring in Lune s first anniversary, Mike and Emily have four part-time employees, and they are looking to expand their business in the near future. It feels like a dream come true. I love to walk into the shop in the morning and smell the chocolate, Emily says. I take a deep breath, look around and say wow, this is ours... I am humbled every day to be able to do what I do. Mike acknowledges that food is a tough business but, by the same token, when Coop Fed believes in something, they really get behind it. They got behind us. -Barbara Kobritz, Outreach Volunteer Photos by Stasya Erickson Share Your Story! Inform and inspire your fellow credit union members. Contact Meagan Weatherby at or Lune Chocolat co-owners Emily and Mike Wolosyzn showcase their hand-crafted chocolates. Autumn 2012 Page 3

4 30th Anniversary, Continued items available for bid. Forty businesses and organizations made donations to the auction, and combined with ticket sales and event sponsorships, this event helped us raise over $6,500 to benefit our financial education programs. The auction was followed by dinner and the Friends of Cooperative Federal awards ceremony, where we honored some of the incredible individuals and organizations with which we ve had the fortune of working. Our impact in the community wouldn t be possible if it weren t for the hard work and assistance of our many partners and volunteers, so we are deeply thankful for the dedicated efforts of these organizations and individuals as well as the many others who have contributed to our growth over the years. After the awards ceremony, the D.R.E.A.M. Freedom Revival (DFR) gave a riveting performance that engaged our guests in a dialogue about democracy and freedom. The DFR warmed up the dance floor with passion and purpose and the rest of the evening was filled with conversation and dancing. During the last stretch of the night, we set up a Video Guest Book where we asked guests to share their thoughts and memories with us. People gave their response to questions such as, What is your favorite memory with the credit union?, elaborated on origin stories and shared their wishes for us for the next 30 years. Many came to speak, including some of the original founders, member-owners, partners and others who have benefited from our services. In short, the evening was just what we d hoped an opportunity to bring us all together, celebrate our progress, and drive us forward. If you volunteered your time, donated an item, sponsored us, came to celebrate or simply wished us well- thank you! We re looking forward to the next 30 years of rebuilding the local economy alongside of you. -Stasya Erickson, Board Member Friends of Cooperative Federal 30th Anniversary Award Recipients Exceptional Consultant - Marie Martini and Bill Ferraldo of Harmony Architectural Associates were honored for their diligence, patience, and creative problem-solving assistance during the expansions of our Southwest and Northside offices. Extraordinary Activist - Aggie Lane, a long-time member and friend, was recognized for her dedicated community work within our credit union and in the community at-large. Financial Education Ally - CNY Works, Inc. was honored for advocacy of community-based financial education and their record of high-impact collaboration with our credit union. Homeownership Hero - Kerry Quaglia and his staff at Home HeadQuarters, Inc. were appreciated for their steadfast commitment to the movement for affordable and sustainable homeownership in Central New York. Microbusiness Development Leader - Empire State Development was acknowledged for their work in advancing microbusiness opportunities in Syracuse. Neighborhood Development Visionary - Dominic Robinson, director of the Northside Urban Partnership, was recognized for his hard work, true passion and tireless commitment to grassroots revitalization of the Northside neighborhood. Outstanding Volunteers - Jorge Cáceres and Margaret Gelfuso were honored as for dedicating their time, heart and mind to the success of our credit union. Youth Advocate - Fowler High School and the Syracuse City School District were recognized for going above and beyond to empower low-income youth in Syracuse s neighborhoods, with special thanks to teachers Susan Alloi and Ed Blasland. Page 4 Autumn 2012

5 Scenes from CU at the Zoo - Our 30th Anniversary Gala. Follow us on Facebook to see more photos! Go to Thanks to our Sponsors! Partners: 1199 SEIU Credit Union National Association (CUNA) Gifford Foundation University Hill Activists: Alloya Corporate FCU CNY Community Foundation Core FCU CUNA Mutual Empower FCU Genesee Coop FCU Home HeadQuarters Immediate Mailing Services National Credit Union Foundation Northside UP Summit Federal Credit Union Three Dog Consulting Visions FCU Members: Alternatives FCU Bethex FCU Margaret Gelfuso & Peter Scheibe McKenzie Hughes Riehlman Shafer & Shafer Ron Ehrenreich & Sondra Roth Advertisers and the 99%: ACMG FCU Avalon Document Services Credit Union Assn of NY/NYCUF Interfaith Works National Federation of CDCUs Satter and Andrews Sparky Town Stella s Diner Syracuse Peace Council Syracuse Real Food Coop The Wladis Companies Tunura s Homemade Specialties Westcott Community Center Silent Auction Donors: AE Originals Alejandro Garcia Autotech of Syracuse/ Ed Grieb Better Brittle Boom Babies Boom Boom Mex Mex Brendan Rose Charlotte Johnson Cooperative Federal Dave Williams Dunk & Bright Erick Erickson International Geraldine Greig Gerry Russo Get Organized! (Chris Riley) Glenn Dolphin Grindstone Farm LLC Gypsy Girl Designs/Barbara Floch Howard T. McLaughlin Hummel s Office Plus Jane Giules Jefferson Clinton Hotel Joseph s at the Carriage House Kimberly Daino Linda Hall Lune Chocolat Mary Giehl Mary O Hara Matilda Joslyn Gage Center Maziuk Wholesale Distributions/Stan Maziuk Michelle Brisson Patricia Farfan-Cáceres Recess Coffee House & Roastery Roji Tea Lounge Rosamond Gifford Zoo Small Potatoes Steven Jarose Syracuse Chiefs Syracuse Cultural Workers Syracuse First Syracuse Peace Council Syracuse Real Food Co-op Syracuse Soapworks T&L Nail Spa/Linda Hall The Art of Massage University Chiropractic & Natural Healing Center Autumn 2012 Page 5

6 Cooperatives, Continued movement did very well in the USA during the 1930s and in England s industrial wastelands during the late 19th century. So, things are going well, and it s time to take a victory lap? Well, no. There s much to celebrate and much work to be done. First, there are millions of Americans who could benefit from joining a consumer cooperative, but have never walked in the front door of a food co-op or credit union. Second, the United States is a large country, but we have a small number of worker cooperatives. That s a distressing situation, particularly during a time of dire unemployment; in other countries, manufacturing cooperatives have effectively withstood pressures to close factories, and used a democratic system to ensure fair employment practices. Third, there are observers of the cooperative movement who think it can play a key role in revitalizing the economy. Michael Shuman, author of the 2012 book Local Dollars, Local Sense: How to Shift Your Money from Wall Street to Main Street and Achieve Real Prosperity, offers a straight-forward thesis about our current economic woes. He believes that relying on Wall Street for investment is pointless and counter-productive. The big banks and financial firms are largely divorced from the small businesses that create about half the jobs in the United States. Shuman believes that facilitating the flow of capital to local entities is the only way to get the economy moving again. The Vernon Electric Cooperative (Wisconsin) was founded in 1938 and serves over 11,000 members. Photo credit: In his book, he discusses various options for investing in local economies, including greater involvement for cooperatives. As might be expected, he mentions Community Development Credit Unions. That type of credit union includes our own Cooperative Federal, with its loan programs for small businesses, homeowners, and other consumers, as well as Alternatives Federal Credit Union of Ithaca. But Shuman moves beyond credit unions to discuss how food co-ops have assisted other co-ops in getting off the ground, and the ways in which La Montanita Food Co-op supports food producers by helping them to engage in sustainable agriculture. He talks about generating financial support for companies or groups providing alternatives to fossil fuels. In addition, Shuman offers a detailed analysis of why cooperatives can help get money moving into local economies. He explains that while cooperatives aren t the only option for expanding local investment, they certainly are of prime importance. His book, full of facts and analysis, isn t pie-in-the-sky work. At the same time, Shuman isn t afraid to dream, to think of a time when the lion s share of pension funds and other retirement monies flow into local businesses and projects around the United States -- instead of Wall Street s coffers. That s a vision worth considering as we celebrate the International Year of Cooperatives. -Carl Mellor, Volunteer Columnist Ojo, Continua motivó a nuestros invitados a iniciar un diálogo acerca de la democracia y libertad. La DRF calentó la sala de baile con pasion y un propósito, y el resto de la noche estuvo lleno de conversación y baile. Para resumir, la noche de gala transcurrió como esperábamos una oportunidad para estar juntos- celebrar nuestros progresos and conducirnos hacia adelante. Si Usted fue voluntario, hizo alguna donación, fue patrocinador, vino a celebrar o simplemente nos deseaste lo mejor Gracias! y esperamos continuar por los próximos 30 años, reconstruyendo la economía local, junto a tí. Soporte Financiero Gratis Sabía Usted que puede recibir consejería financiera gratis, de Cooperative Federal?, por medio de una aliación especial entre CNY Works y la CNY Community Foundation, nuestro personal de educación financiera le puede proporcionar asistencia confidencial, creando crédito, presupuesto, compra de casa, ejecución de hipoteca y prevención, durante horas especiales, en la oficina de CNY Works en Franklin Square. Para hacer una cita, por favor llame a Thomas Dellwo al (English). Para asistencia en español, contacte a Patricia Farfán-Cáceres al Feliz Aniversario, Syracuse Real Food Co-op Así como la Cooperativa de Crédito celebra su 30 Aniversario, nuestros amigos de Syracuse Real Food Cooperative, ubicados en Kensington Ave, también estan celebrando su 40 Aniversario. Co-op comenzó en 1972, cuando un grupo de vecinos decidió comprar productos del campo colectivamente. Es desde entonces que comenzó el éxito, hasta convertirse en la tienda de comestibles que es hoy. El pasado entrelazado de Co-op y la Cooperativa de Crédito comenzó en 1982, cuando Syracuse Cooperative Federal Credit Union nació y originalmente estuvo operando dentro de la oficina de Syracuse Real Food Co-op. Hasta hoy, Cooperative Federal mantiene una caja de seguridad para depósitos en la tienda, de manera que Usted todavía puede Continua en la Pagina 7 Page 6 Autumn 2012

7 Ojo, Continua hacer compras en Co-op, y hacer depósitos al mismo tiempo no fue sólo para celebrar el pasado de Co-op. Co-op también hizo mejoras al interior de la tienda, con impresionantes resultados. Gracias a una mejorada presentación de la tienda, y más énfasis en secciones frescas, las ventas en Co-op se han incrementado a un índice alto, en cuatro años. Ellos también tienen mucho éxito con la re-introducción de cerveza. Así como Cooperative Federal está planeando a futuro, por los próximos 30 años; Syracuse Real food Co-op, está planeando en paralelo, para sus próximos 40 años: dos grandes organizaciones moviendose hacia el futuro, en un mundo de negocios difícil. Historia de Exito de un pequeño negocio: Lune Chocolat En el 2011, Emily y Mike Woloszyn fundó Lune Chocolat, una tienda artesana de chocolates and Manlius, NY. La pareja tuvo que considerar muchos diferentes negocios que podrían trabajar juntos pero cuando descubrieron el mundo del chocolate fino, ello sabían que habían encontrado algo que satisfacía sus almas, y expresaba sus valores de autenticidad y comunidad. Todo lo que ellos necesitaban era un préstamo para comenzar, y eso es lo que los llevó a Cooperative Federal. Ellos no eran socios de Cooperative Federal en ese momento, pero su anterior banco, no pudo aprovar su préstamo de negocio, debido a que no tenían experiencia de gerencia. Además, Mike y Emily estaban atraidos por la misión de nuestra Cooperativa de Crédito. Después de toda la investigación, cada vez se convencía y simpatizaba más con la filosofía de mantenerse local y mantener la comunidad junta, dice Mike. Ellos presentaron su plan de negocios a Greg Knipe, y después de poco, el préstamo fue aprobado. Ese fue el inicio de Lune Chocolat. Ahora, las cajas de demostración de la pequeña y bonita tienda, están llenas de chocolates hechos a mano, cada uno es una obra de arte en miniatura, hechas desde lo básico. A diferencia de las producciones de chocolates en grandes cantidades, o los chocolates que son pre-procesados pero empaquetados localmente, Lune Chocolat está hecho con mantequilla local, y libre de hormonas en la crema. Adicionalmente, los rellenos tradicionales, como maní, café y vainilla, Lune utiliza miel de abeja local, hierbas, frutas y vegetales y algunos son obtenidos del jardin de esta pareja. Desde que el chocolate crece sólo en la Línea del Ecuador, Lune compra el suyo de un fabricante responsible, localizado en la Costa Pacífico de Colombia. De acuerdo a su página de internet, Nuestro chocolate proviene de una pequeña familia de grangeros. Existe facilidades de investigación y desarrollo para asistir a los cocechadores de cacao, en lo que ellos necesiten. No hay uso de pesticidas o fertilizantes en nuestro chocolate. Al tiempo que Lune va a cumplir su primer aniversario, Mike and Emily tienen cuatro empleados que trabajan medio tiempo, y están buscando expandir su negocio en un futuro cercano. Se siente como un sueño hecho realidad. Me encanta entrar a la tienda en la mañana y sentir ese olor a chocolate, dice Emily. Suspiro, miro alrededor y digo wow, esto es nuestro Me siento muy honrada cada dia, por ser capaz de hacer lo que hago. Mike reconoce que comida es un negocio duro pero, por la misma razón, cuando Cooperative Federal cree en algo, ellos realmente están contigo, ellos estuvieron con nosotros. -Traduccio por Patricia Farfan-Cáceres Soñando con ser Propietario de Casa? Para compradores de casa por primera vez, pueden ganar de $7500 a $ , para asistencia con el pago inicial matching grants, mediante el programa de Cooperative Federal llamado Homebuyer Matched Savings. іaverigue si Usted califica! Inscripciones para el Taller Llame a Joyce Figueroa al (315) (Español) para conocer el horario y otros detalles. Registración es necesaria. Bank in your Pajamas. No waiting on hold. No standing in line. Open 24/7. Phone Teller (315) 671-CASH Web Teller Credit Card Blues No Balance Transfer Fees No Teaser Rates Support our local economy Call or visit *Annual Percentage Rate. The APR is a Variable Rate and is based on Credit Score. Balance transfer promo is for a limited time only; terms and restrictions apply. Financial Security Has No Age Limits. If you re age 55 or over and struggling to make ends meet, you may qualify for free financial counseling and other specialized assistance with savings and debt. Call to learn more. Autumn 2012 Page 7

8 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 Cooperative Federal: 1st Place in U.S. for Philosophy in Action The Credit Union National Association (CUNA) has named Cooperative Federal as the First Place Winner for the 2012 Louise Herring Philosophy in Action Member Service Award! Earlier this year, the Credit Union Association of New York recognized our credit union with a statewide award, and that put us in the running for the national competition, the results of which were announced in October. Known as the Mother of Credit Unions, Herring was a pioneer for the nonprofit credit union movement in the United States during the early and mid 20th century. The Herring award recognizes credit unions that demonstrate the exceptional effort to integrate credit union philosophy into daily operations. Cooperative Federal was specifically selected in honor of our high-impact Matched Savings Program, which puts low and moderate-income members on the path toward homeownership, microbusiness, and higher education. Free Financial Coaching for Everyone Do you have a financial goal for 2013? Perhaps you want to buy a home, clean up your credit, or put aside some money for the future? Or maybe you already own a home, but are struggling with high interest rates or unaffordable payments? Well, we ve got good news for you. With support from the CNY Community Foundation, Cooperative Federal and CNY Works are teaming up to bring free, one-on-one financial advising to individuals throughout Syracuse -- including Coop Fed members. During special office hours at CNY Works (443 North Franklin Street), our normal counseling fees are waived for anyone seeking confidential assistance with credit building, budgeting, homebuying and foreclosure prevention. You can also learn about loan or account products that might be a good fit for your needs, and begin the application process with hands-on guidance. If you re looking for a more formal approach to boosting your money management skills, we re also offering opportunities to enroll in free financial capability classes. So far, CNY Works and Cooperative Federal have brought classes to the Women s Opportunity Center, Jobs Plus, Westside Welcome Center, AIDS Community Resources Q Center, and numerous Literacy Zones GED Classes. You can enroll in one of our existing classes, or organize a training for your neighborhood or community group. To make an appointment or for further information, contact Thomas Dellwo at or Funding for these programs is available for a limited time, so don t wait too long! -Meagan Weatherby, Program Sustainability & Outreach Coordinator Got Feedback? We want to hear from you. Send questions & comments to: Board of Directors Staff - General Staff - Member Service Above: Just a handful of the members who have benefited from financial advising, and/or Matched Savings Accounts, over the past four years. Clockwise from top left: Tom and Kathryn Argiro; Chol Ater; Thomasina White; Lou Anne Hadley; Richard Houde; Deborah Pichardo-Kemp. (Names used with permission!) Holiday Hours Monday, Nov CLOSED Veteran s Day Observance Thursday, Nov CLOSED Thanksgiving Day Monday, Dec Closing at 3:00 pm Christmas Eve Tuesday, Dec CLOSED Christmas Day/Winter Holiday Observance Monday, Dec Closing at 3:00 pm New Year s Eve Tuesday, Jan. 1 - CLOSED New Year s Day NCUA Federally insured by NCUA Syracuse Cooperative Federal Credit Union - Established 1982 Our mission is to rebuild the local economy in ways that foster justice, serve people and communities that are underserved by for-profit financial institutions, and responsibly manage our members aggregate assets. Page 8 Autumn 2012

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