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

Click below to read a letter from Brenda Lippens, President & CEO of Delta County Credit Union, about why we want to join forces.

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!

The Benefits

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!

Expanded Networks.
You'll have access to 6 additional locations, located in Marquette, Gwinn, Negaunee, Munising, and Trenary. That means you'll also have access to 6 more ATMs as well.
Enhanced Products & Services.
We'll have more resources to perfect our current products and services and also be able to offer even more products and services. Instant Issue Credit Cards anyone?
More Team Members.
You'll gain over 80 more Team Members to help you with all your questions about credit cards, loans, certificates, and much more.
More Community.
Imagine us being able to do even more in our community. With this combination, we can do exactly that.

We're excited for many reasons....

FAQ
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.

Members of Delta County Credit Union will vote on the proposed merger.

Absolutely. In addition, the credit union expects to refurbish the existing locations to improve service.

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.

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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.

We are working hard to minimize any effects you may experience as a result of the operational merger. We will communicate with you throughout this process.

If our members approve this merger, you’ll be able to use all Embers Credit Union Branches starting May 2020.

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.

Absolutely. Your accounts are still insured by the NCUA at up to $250,000.

Most likely. However, we have not made all product decisions at this point. We will communicate these decisions with you as soon as is practical.

Again, most likely. But we have not yet made all product decisions.

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.

We will announce the results of the vote on our website shortly after the special meeting concludes.

You can sign the printed version of the ballot and mail it to the address provided, by the date indicated on the ballot.

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.