10/19/2020: 2020 Annual Meeting Update
The Baraga County Federal Credit Union Annual Meeting scheduled for April 4, 2020 was postponed due to COVID-19. At this time, the Board of Directors has decided that it is best to cancel the in person annual meeting and only hold it teleconference on November 18, 2020. You can download a copy of our 2019 Annual Report here.
The board of directors, along with at least six employees of the credit union, will hold the formal annual meeting at the Baraga County Federal Credit Union or via teleconference on November 18, 2020 at 4:00 pm. This formal annual meeting will not be open to the membership due to the current COVID-19 health concerns. The nine board members and eight credit union employees will fulfill the fifteen member minimum quorum that the credit union bylaws require to conduct the annual meeting.
The normal Election of the Board of Directors process is as follows:
The nominating committee consists of current board members who are not standing for re-election. It is required to nominate one member for each open board seat.
We have 6 open board seats this election cycle.
The nominating committee has nominated current board member Delbert Kahler to run for his open seat.
The nominating committee has nominated current board member Cathryn Beer to run for her open seat.
The nominating committee has nominated current board member Janet Gerzetich to run for a vacated seat.
The nominating committee has nominated current board member Robin Henry to run for a vacated seat.
The nominating committee has nominated current board member Cynthia Parker to run for a vacated seat.
The nominating committee has nominated current board member Lyle Olsen to run for a vacated seat.
The bios of these six nominees will appear on the election ballot and are included below.
As required by the credit union’s by-laws, the board chair will ask if there are any nominations from the floor three times during the annual meeting.
If there are no nominations from the floor, the board chair will declare the election complete by acclamation and the 6 nominees will become board members.
Due to the current COVID-19 situation, members who wish to nominate a credit union member from the floor must do the following:
You must send an email to me, Dawn Jahfetson, and
Another voting member must second the nomination by also emailing me.
If any nominations and second nominations are received from voting members, it will be verified that the nominated member is in good standing with the credit union. A member is in good standing if they don’t have any:
Past due loans,
Overdrawn deposit accounts, or
Unpaid NSF fees.
If we have members who meet all the criteria, we will send out an electronic email election survey to all members with the board nominated members and the self-nominated member(s). If we have no nominations from the floor, the board will declare the election complete by acclamation during the formal annual meeting to be held on November 18, 2020. Members have until October 30, 2020 to email me, Dawn Jahfetson, if they wish to nominate someone from the floor.
Our current nominees are:
Delbert (Debs) Kahler (Incumbent nominee): Has been a member of the Credit Union since 2010. He has served on the Board since 2014 and presently on the Personnel Committee also. He worked for the Celotex Corporation as an accounting clerk for 15 years and then as Purchasing Manager for 27 years. He is currently retired and lives in L'Anse with his wife Kristin. He is an active member of the L'Anse American Legion and L'Anse United Methodist Church.
Cathryn (Kate) Beer (Incumbent nominee): has been a member of the Baraga County Federal Credit Union since February of 1997. She has been a part of the board since 2014 and has been the President of the Board since 2017. Kate lives in Aura with her husband and is the Health Officer and Chief Executive of the Western Upper Peninsula Health Department. Kate has a Master of Public Administration, is a Certified Public Accountant, and a Chartered Global Management Accountant.
Janet L. Gerzetich (New nominee): Is a lifelong resident of Baraga County and has been a member of the credit union since 1981. She is a 1979 graduate of Central Michigan University, receiving a Bachelor of Science degree in education. She worked briefly in the banking field before accepting a teaching position with the L'Anse Area Schools where she has entered her fortieth year of employment. In her current position as the Title I teacher, she provides reading interventions and promotes literacy in the elementary school. Janet has been on the board of directors since 2019.
Robin Henry (New Nominee): Has been a member of the credit union since 2019. She is currently the Co-Treasurer. Although she is relatively new to our board, she is very interested in learning about how the Credit Union is structured and operates. She is a 2007 graduate of Central Michigan University receiving a Bachelor's Degree in Psychology and Education. Robin grew up in the L'Anse area, and returned here in 2010. As well as raising four children, she has worked in the Accounting and Human Resource field for the past 30 years. She has been employed as an Administrative Assistant at the Baraga County Road Commission since 2016 and has served as the Laird Township Clerk since 2019. Robin has been serving on the board of directors since 2019.
Cynthia L. Parker (New Nominee): Has been a member of the credit union since the 1970s. She graduated from Michigan Technological University in 1983 with a Bachelor of Science in Business Administration with an Accounting major. Cindi retired from Baraga County Memorial Hospital in 2007. During the course of her career there, she served many roles in financial services including 17 years as the Chief Financial Officer. She has served on the Supervisory Committee of the Baraga County Federal Credit Union since 2018. In September 2019, she was voted onto the Board as the Supervisory Liaison to the Board.
Lyle J. Olsen (New Nominee): He has been a member of the credit union since 1987. He has served as a board member since January of 2020. Lyle is a heavy equipment operator currently working for the Village of L’Anse and has spent 40 years working in various positons including owning and operating a road building construction company. Presently, Lyle is the Aura Fire Chief, President of the L’Anse fire department, snowmobile trail grooming supervisor, and sits on several committees for the fire service.
Again, the 2019 Annual Report can be downloaded here.
You can download our app from the Apple store or Google Play, depending on the kind of device you have. The app is called the Baraga County Federal Credit Union Mobile app. You are able to find it by searching the whole name or just a word or two.
If suspicious transactions are identified, you will receive a call from Card Member Security. If the transaction(s) is fraudulent, you will be transferred to a live person at Card Member Security to help you take the necessary precautions to protect your cards and related accounts. If the recent activity is legitimate, members will be able to close the case with the phone attendant using their touch-tone phone.
As always, when the Fraud Center calls you to confirm transactions, they will not ask for any personal information, nor will they ask for your entire card number.
If you have any questions, please contact us at (906) 524-6151.
Phishing is not a new scam; we have heard of it for years. Criminals use e-mail, telephone, and text scams to obtain an unsuspecting consumer's personal information. Once a criminal has this information, he or she will use it for personal gain, including identity theft.
A couple years ago, financial institutions have reported phishing text scams which include an automated text to cell phone holders. The generic message may read, "Federal Credit Union ALERT: Your CheckCard has been temporarily LOCKED. Please call Card Services line (407) 574-2992." DO NOT CALL THIS NUMBER; this is a phishing attempt. At this time, Baraga County Federal Credit Union does not participate in text messaging or e-mail to notify members of suspicious transactions.
Please remember to verify who you are speaking with. Baraga County Federal Credit Union will not ask for personal information when calling to verify transactions.
We have a third party track suspicious transactions; if you receive a call from Cardmember Security, they will only ask for your name. If you return a call from them, they will only verify the last four digits of your Social Security Number and/or your Date of Birth. If you receive a suspicious call or do not feel comfortable speaking with Cardmember Security, please contact the Credit Union as soon as possible.
Finally, if you suspect your card has been compromised, contact the Credit Union immediately.
More information on the Services Page