Together, we'll be better.
Yes, it’s true! We’ve been working towards joining forces to bring you the ultimate credit union experience. This webpage will have updates on our potential combination with Embers Credit Union and answer all your questions about what’s happening!
Team DCCU encourages you to vote YES on our new journey!
News + Important Dates
Letter from the CEO
The Embers Difference
If you love living in the UP, you’ll love belonging to a credit union who loves it just as much as you do. We’ll be #LivingitUP together. Take a glimpse of what the Embers brand is all about!
There’s many benefits to the combining of our two credit unions, and we’ve only listed some! The possibilities are endless. We’ll be building a dynamic organization and you’ll have a front row seat. Scroll through this slideshow to see the main benefits!
We're excited for many reasons....
Most frequent questions and answers
The Boards of Directors from both credit unions have approved a merger between the credit unions. We are now reaching out to members to explain why this decision was made, how it would affect you, and the next steps.
Both credit unions provide exceptional value, convenient access, and superior service to their members, and they aspire to provide the same for all residents of the Upper Peninsula. The financial services industrycontinues to grow in complexity, and the Boards recognize the relationship between the institution’s size, its resources, and its ability to serve members.
Originally founded in 1953 as the St. Peter Cathedral Credit Union, later UP Catholic Credit Union, Embers is now the largest credit union in the Upper Peninsula. It is headquartered in Marquette, with branches in Marquette, Negaunee, Munising, and Trenary. Embers serves nearly 17,000 members and holds $226 million in assets. Embers is chartered to serve all residents and businesses of the Upper Peninsula.
From the outset, this merger has been approached as a combination of two great credit unions with the desire to serve the entire Upper Peninsula. In the short term, this means Delta County members will immediately have access to an additional five branches, enhanced product offerings, and expanded digital delivery channels.
In the long term, the new Embers Credit Union will be considerably larger than either of the two institutions today, which means additional investment in infrastructure. New employees, additional training, and expanded platforms (including an internal Call Center) will improve service levels.
At the same time, you can count on the same outstanding service you’ve received from Delta County over theyears. None of our branches are closing and none of our employees are leaving as a result of the merger.
We have received preliminary approval of the merger from our governing bodies. On December 10th, the Delta County members will formally vote on the proposed merger. Assuming approval of the members, the actual merger should take place in May 2020.
Yes. All Delta County employees will retain their jobs. In addition, they will retain their years of service. Excitingly, there will be new career opportunities that open up for all employees, as the new Embers Credit Union will be significantly larger than both credit unions today.
Both credit unions offer similar deposit and loan products. Delta County members may expect additional products and services, including enhanced first mortgage services and business accounts.
Interest rates on existing loans and term deposit products (certificates, etc.) will not change. Dividend rates on Regular Shares, Money Market Accounts, and Checking products may change per your existing account agreement. Most fees will either stay the same or reduced.
We have not yet made all product decisions. If your automatic deposits and withdrawals will be affected, you will be notified personally. We will work hard to eliminate any disruption.
Absolutely. We’ll push through all automatic payments/deposits for three months after the proposed merger date. Giving us enough time to help you change those.
Still have a question?
We have answers. Please fill out the form below and a member of Team DCCU will answer your questions as soon as possible.