Our Commitment

As a member-owned, not-for-profit financial cooperative, Brazos Valley Schools Credit Union is committed to our members. We will uphold our fundamental responsibility to actively serve people within our field of membership and the communities in which they live. We will treat all members with respect and dignity. We will deliver a range of low cost products and services to the diverse economic and social make-up of our members and potential members. We will continue to demonstrate our commitment to our members in all facets of our operations.

We will continue to communicate our service to members in a meaningful way so that members, potential members, legislators, regulators, and the community at large will understand and appreciate the unique role that member-owned financial cooperatives play in their lives.

Throughout Brazos Valley Schools Credit Union’s statement of commitment, we will put forth every effort to enable our members to become financially self-sufficient and successful. We will place high importance on consumer education and the teaching of financial management.

This Statement of Commitment to Members is consistent with our credit union principles of “Not for Profit, Not for Charity, But For Service” and our philosophy of “People Helping People.” This statement represents good business practices that ensure the financial strength of our credit union on behalf of our members.

Section I: Service to Members

Savings with Above Market Yield
Second Savings
Checking Accounts - Interest Bearing and Service Charge Free
Personalized Starter Checks
Check Imaging
Debit Card
Overdraft Protection
Direct Deposit
Payroll Deduction
Wire Transfers
Cashier Checks
Money Orders
Travelers Checks
On Line Bill Paying Service
Money Market Accounts
Traditional IRA, Roth IRA & IRA Certificates
Loans with Low Interest Rates
Consumer Loans
Real Estate Loans
Gap Protection
Credit Life and Disability Insurance
Overdraft Privilege
Special Loan Promotions
Preferred Auto Care (Warranty)
MasterCard and Visa
Cash Advances
Payments Accepted in Office
Visa Authentication Service
Web Site
On Line Access (Home Banking)
On Line Check Ordering
On Line Cross Member Transfers
GoToMyCard(TM) (Credit Card Information)
Electronic Statements
Safe Deposit Boxes
Christmas Club Account
Audio Response Unit
Signature Guarantee/Notary Service
Term Share Certificates
On Line Interactive Loan Application

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Section II: Member Education

Brazos Valley Schools Credit Union is committed to member and consumer financial education; in addition we are committed to educating members and consumers alike about credit union uniqueness, philosophy and values.

Current Programs that Support Member Education and Advocacy:

Web Site Information Link
Accounts and Services
Office Locations
Loan Rates with Calculation Table
Comparison Auto Rate Financing
Organization News
On Line Newsletter
Privacy Notice
Periodic ATM Safety Notice
Statement of Commitment
On Line Account Information Service
Newsletter Articles
Car Price Guides
Employee Orientation for Member Education
Information through Local Press concerning Credit Union Services
Credit Union Volunteers Speaking in Public
Resource Library
Financial Information provided Periodically on Membership Concerns

New Programs Planned for the Coming Year:

Expanded Marketing Program

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Current Programs that support Involvement/Governance:

Annual Meeting accessible to Majority of Members
Meal served to Members at a Reasonable Cost
Door Prizes for Membership at end of Meeting
Board Elections
Continuing Education for Board of Directors, Management and Staff
Volunteer Involvement on Active Committees
Nominating Committee to actively seek Board Members who will Oversee the Best Interests of Membership

New Programs Planned for the Coming Year:

Continuing Education for Volunteers

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Section IV: Diversity

Brazos Valley Schools Credit Union recognizes the value of demographic diversity in staff as well as volunteers and will strive to bring people of diverse backgrounds and experiences into leadership and other roles at the credit union.
Current Programs that Promote Diversity:

Equal Employment Opportunity
Bi-Lingual Staff
Handicap Facilities
Special Work Programs for High School and College Students
Products and Services to address the Diverse Needs of Membership
Volunteers that Represent the Demographics within our Field of Membership

New Programs Planned for the Coming Year:

Encourage Developments of Bi-Lingual Abilities

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Section V: Commitment to the Credit Union Movement and other Cooperative Activities

Brazos Valley Schools Credit Union will work to build and strengthen our unique credit union movement by providing financial resources to others within the credit union community and by actively advocating the credit union difference at all levels of government and in other appropriate public forums. In addition, Brazos Valley Schools Credit Union will participate in local, state and national cooperative activities as appropriate, and will strive to build and strengthen relationships with other sectors of the national cooperative movement.

Current Activities that Support the Credit Union Movement:

Texas Credit Union League
Credit Union National Association
Houston Chapter of Credit Unions
Member of Local Chamber of Commerce within our Field of Membership
Supporter of Houston Chapter Advertising Campaign
Participant of STAR Program (Staff Training and Recognition)
CMC (Commitment to Members Committee)
Continuing Employees Education by League Sponsored Seminars and Programs
Employee Education Assistance for Credit Union Related Studies
Texas Child Identification Program
National Credit Union Youth Week
Recognize National Credit Union Week
CU Marketing
Lamar School Banking Program

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Section VI: Public Service / Corporate Citizenship

By participating in public service activities, Brazos Valley Schools Credit Union strives to be an active partner in our communities. We recognize that practicing good corporate citizenship supports the credit union philosophy of “ People Helping People.” We also recognize that it will help raise the overall level of social and economic well-being of those in our field of membership and help to strengthen ties within the communities.

Community/FOM Groups Currently Receiving Financial or Other Support and Current Public Service Activities:

Presenters attending New Teacher Orientation
Employees Addressing Financial Education in School Classrooms
Career Day
Job Fair
Schools Activities
Junior Achievement
Partners in Education
Report Card Covers to Elementary Schools in Field of Membership
Promise to Read
Classroom Presentations for Co-Op Students
Project Graduation
Booster Club (Sports Programs)
Host Program Volunteers (Reading to Students)
Mentoring at Schools who offer Program
Financial Assistance for Classroom Projects
School Year Calendars/Grading Pens for Teachers
Area Chambers of Commerce
Annual Washington County Peace Officer Recognition
Approved and Eligible Sponsored Employee Groups
Katy Business Partner
Katy ISD Law Enforcement – Explorer Post #9339
Fort Bend County Kids and Cops, Inc.
Fort Bend County L.A.W.
Guided Educational Tours
Event Sponsor of New Teacher Orientations

New Public Service Activities Planned for the Coming Year:

Promote and Encourage Employee Volunteerism

Composed and Submitted by the Commitment to Members Committee:

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