Mountain West Newsletter Landing Pages
CU4Kids 2012 Kick off Breakfast | Friday, 10 February 2012

Media Contact
Joy Audet

  Children’s Miracle Network kicked off 2012 with Credit Unions for Kids at Phoenix Children’s Hospital with One Darn Cool School.
Phoenix, AZ (02/09/2012) – Phoenix Children’s Hospital (PCH) hosted a breakfast for Arizona’s credit unions on February 8, 2012 to kick off 2012 and honor the support that credit unions have shown throughout 2011 and in years past.

Phoenix Children’s Hospital presented awards to the top five fundraising credit unions and another to the credit union with the highest increase in fundraising.  Desert Schools Federal Credit Union raised an impressive $329,280.  Followed by Arizona Central Credit Union at $26,577, TruWest Credit Union with $25,000, followed by First Credit Union with $8,550 and Mountain West Credit Union Association with $8,000.
Funds raised by Phoenix credit unions support One Darn Cool School, an accredited K-12 school located within Phoenix Children’s Hospital and available to all PCH patients from admittance through school reentry and more.
Arizona’s credit unions raised a total of $429,000 in 2011 and have raised more than $4 million since 1994 through Credit Unions for Kids for Children’s Miracle Network, supporting both Phoenix Children’s Hospital and Tucson Medical Center.
Photos from the event can be viewed on Facebook.

About the Mountain West Credit Union Association
The Mountain West Credit Union Association is the regional tri-state trade association representing 154 member credit unions, 3.2 million credit union members and $29 billion in assets throughout Arizona, Colorado, and Wyoming.  Not-for-profit in nature, credit unions provide low cost financial services to their members.  Founded in 2011, the Mountain West Credit Union Association serves and supports member credit unions through advocacy, communications, community outreach, education & training, operations, public affairs and regulatory & compliance services. The Mountain West Credit Union Association is affiliated with Credit Union National Association (CUNA), World Council of Credit Unions (WOCCU), and CUNA Mutual Group. 

Bank Transfer Day Resources | Friday, 04 November 2011

Bank Transfer Day Resources

Regulation Z: Credit Counseling Required | Wednesday, 02 November 2011

Regulation Z Revisited:
Credit Counseling Required?
Provided by:
Chad M. Gentry, Executive Director
Community Credit Counseling Services

Here are a few facts about Regulation Z that you may find interesting:

6.5 ft – The height of the banking regulations changes from 2010 if printed on single sheets of paper and stacked vertically.
270  – The number of pages in Regulation Z Part II issued by the Federal Reserve.  (Read it here:
27 – The number of pages in the summary of coming changes issued in 2009 by CUNA! (Read it here:
74 –The number of times Credit Counseling is referenced throughout the regulation.

Given this information, you can start to understand why the credit union industry is feeling the pressure regarding the increased costs of the new regulatory environment.   One important measure implemented in Regulation Z is that if you offer your members credit cards (open ended lines of credit), then you are required to provide a 1-800# on card statements in order to connect card holders with at least three credit counseling resources.

How does this 1-800# translate to your credit union from a compliance and cost standpoint?

As of February 2010 your members’ credit card statements are required to provide a contact number to a minimum of three credit counseling resources. These credit counseling resources must be non-profit 501(c)(3) debt management and credit counseling agencies.  A qualified agency must:

  • Be on the Federal Trustee’s approved list,
  • Provide services in the footprint where your clients live,
  • Provide qualified and certified counselors,
  • Provide adequate provisions for safe keeping of client funds,
  • Make all services available to the public regardless of ability to pay,
  • Provide trained counselors who receive no commissions.


To make matters even more complicated, the 1-800# itself must fulfill additional qualifications:

  • Must provide three credit counseling options that are approved by United States Trustee,
  • Must provide websites as an access point to these credit counseling agencies,
  • Must provide counselors in the foot print where the member is located,
  • Must provide a resource in at least one language other than English.

Many credit unions attempt to fulfill these requirements by offering the phone number to their own customer service department where they have trained credit union staff filter calls and provide resources for credit counseling.  Unfortunately, while this may be cost effective in the short term, it is NOT in compliance with the guidelines. 

The following non-profit credit counseling services are offered to Mountain West Credit Union Association Members:

  • Community Credit Counseling Services is offering there service to Association members throughout Colorado.   Contact Chad M. Gentry at 303.233.2773 for more information.
  • Take Charge America is a resource available through REAL Solutions.  Contact Paul Nichols at Take Charge America at (623) 266-6286 for more information.

  • GreenPath Debt Solutions is a credit counseling service available through CUNA Strategic Services.  Contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it or 1.866.809.8913 for more information.  (In Wyoming was previously known as: Consumer Credit Counseling Service of Northern Colorado and Southeast Wyoming)


Arizona's Political Races | Tuesday, 01 November 2011

Arizona's Politial Races: A Guide For Your Credit Union

Last month, the Arizona Independent Redistricting Commission approved a draft version for the new 2012 U.S. congressional lines in Arizona. As you know, new congressional lines are determined every 10 years based upon the United States Census.  Beginning in 2012, Arizona will also gain an additional congressional district (9 in total) as a result of population growth. Although the district map that was released is not final, the draft version will likely only face minor changes from here on out.

According to “The Cook Report” the recommendations by the commission would set the stage for 4 relatively safe Republican districts, 3 relatively safe Democratic Districts and 2 toss up districts. Here is a breakdown of how each district could shake out.  

For a full breakdown of Arizona’s nine Congressional districts

AZ-01 is currently held by freshman lawmaker Dr. Paul Gosar (R), who defeated Ann Kirkpatrick (D) during the 2010 election. The district has always been considered competitive, and the new map would make it even more of a tossup. As a result, democrats see this as a high possible pick up for them in 2012, especially with Kirkpatrick looking to regain her seat. 

AZ-02 is currently held by Congresswoman Gabrielle Giffords (D). The new lines would give an edge to the democrats, but maintains a level of competitiveness for a possible Republican victory.  However, any potential challengers for the seat will wait to see if Giffords decides to run reelection.  Most likely, Democrats or Republicans will not challenge her if she does decide to run in 2012.

AZ-03 is currently held by Congressman Raul Grijalva (D). The new map would maintain an extremely safe democratic district for the Congressman. Grijalva is a strong friend of credit unions, that has cosponsored every credit union MBL piece of legislation.

AZ-04 would be a heavily Republican district with no incumbent.  The conservative district is currently shared by Trent Franks (R), and Paul Gosar (R).  Potential candidates could include Pinal County Sheriff Paul Babeu, state Senator Ron Gould, or even Paul Gosar who may move into the district to represent a more conservative seat. 

AZ-05 is another open seat that encompasses much of the district that will be vacated by Rep. Jeff Flake (R), who is running for a U.S. Senate seat.  The district will remain a safe Republican district, but the 2012 primary is shaping up as one of the closest in the state.   The lines would pin former AZ Speaker of the House Kirk Adams against former Congressman Matt Salmon.  Adams who has the backing of Sen. Jon Kyl, was the Arizona Credit Union League’s Legislator of the Year in 2008.  Salmon is backed by Maricopa County Sherriff Joe Arpaio.

AZ-06 would generate one of the more unique situations for the Congressional lines.  The district is considered safe Republican, but would likely pin freshman representatives, Ben Quayle (R) and David Schweikert (R) against each other in a primary showdown.  Also, neither of the incumbent Congressmen currently live in the district.  However, it is likely that the lines will be revised to include Quayle’s house, while Schweikert has already announced his intention to run for the district and has even bought a house in anticipation of the new congressional map.    

AZ-07 is the district that is currently held by Congressman Ed Pastor (D).  It is the district that would be changed the least, and remains the safest Democratic district in Arizona.  

AZ-08 is the district that is currently represented by Congressman Trent Franks (R).  As a result of the population growth in his current district, much of his district was shed off to others.  Despite the geographical shrinking, Frank’s district would remain among the most conservative in the state. 

AZ-09 would be a new district and possibly the most competitive districts in the state.  Former Congressman Harry Mitchell (D) would be seen a frontrunner if he decided to return to politics.  Other Democrats that are mulling a bid would be state Sen. Kyrsten Sinema and attorney Jon Hulburd.   On the Republican side, Tempe Mayor Hugh Hallman would be seen as a top contender to appeal to this moderate new district. 

No matter the final outcome, redistricting will certainly reshape the political landscape in Arizona’s Congressional races (not to mention the 30 legislative districts that are also getting redrawn).   However, the other wildcard in 2012 is the open Senate seat that will be vacated by U.S. Senator Jon Kyl.   

The Arizona Senate race will be the first open seat in Arizona for an US Senate in 18 years.   Despite the high profile seat, only 3 candidates stand out as potential contenders for the seat.  As it stands now, Republican Congressman Jeff Flake is considered the front runner in the race.  The biggest challenge for Flake could be Wil Cardon, a political newcomer with deep pockets as an investment banker.  Other potential contenders that have yet to make a decision include: Sheriff Joe Arpio and former AZ Attorney General Grant Woods.  The former Democratic Party Chairman Don Bivens is the lone Democratic to announce his candidacy. However, former US Surgeon General Richard Carmona has been courted by President Obama to run for the seat.  Other potential democrats could
include Representatives Ed Pastor and Gabrielle Giffords.

Provided by: Austin De Bey, VP of Legislative Affairs

Treasury Direct | Tuesday, 25 October 2011

Resources Available to Help Inform Customers About Ending Over-the-Counter Sales of Paper U.S. Savings Bonds

The U.S. Department of the Treasury announced it will end over-the-counter (OTC) sales of paper savings bonds on December 31, 2011. While paper bonds will no longer be sold at financial institutions, electronic savings bonds remain available for purchase through TreasuryDirect, a secure web-based system operated by the Bureau of the Public Debt.

The Treasury Department is offering a free toolkit to help financial institutions easily communicate the change to customers about the end of OTC sales of paper U.S. Savings Bonds. The toolkit contains:

• fliers for customers
• short messages for account statements
• frequently asked questions (FAQ) for employees
• web banners
• an article for employee newsletters or Intranet

All can be downloaded at

In July, the Treasury Department announced the December 31 end of OTC sales of paper savings bonds, including sales through financial institutions and applications mailed directly to the Federal Reserve Bank by customers. Although paper savings bonds sales are being discontinued, electronic Series EE and Series I Savings Bonds remain available for purchase at

Financial institutions are asked to educate their customers about the change and to continue redeeming the more than 670 million paper savings bonds worth $181 billion that are currently in the hands of the public.  Discontinuing paper savings bond sales is expected to save taxpayers an estimated $70 million over the next five years. 

For more information, visit


Awards | Tuesday, 25 October 2011

Congratulation to all our Award Winners!

The 4th Annual Star Gala Awards

• Denver Community Credit Union - Community Impact Award Recipient
• Sooper Credit Union - Community Impact Award Runner Up
• Liz Luce, First Education Federal Credit Union - Volunteer of the Year, Wyoming
• Christine McClatchey, College Credit Union - Volunteer of the Year, Colorado
• Steve Higginson, Reliant Federal Credit Union - Professional of the Year, Wyoming
• Mike Williams, Colorado Credit Union - Professional of the Year, Colorado
See photos and videos

The HOPE Award: Helping Our People Every Day

• Arizona’s Statewide Recipient Camille Chrzanowski (Pyramid FCU)
• Pattie Rowe (Arizona State CU)
• Lisa Pattern (Altier CU)
• Angela Zarzayczny (Hughes FCU)
• Tallen Rand(TruWest CU)

The Dora Maxwell Social Responsibility Recognition Award is named after the credit union Pioneer, Dora Maxwell and given to a credit union or chapter for it social responsibility projects within the community.  Congratulations to this year’s recipients:

Space Age Federal Credit Union: National First Place Award


• $200-500 Million
      Credit Union West: Honorable Mention
      First Credit Union: Honorable Mention
      Tucson Federal Credit Union: Honorable Mention
      Arizona Central Credit union: Second Place 
      Pima Federal Credit Union: First Place

• $1 Billion plus

     Arizona State Credit Union: Second Place 
     Desert Schools Federal Credit Union: First Place

• $100-200 Million 
     Space Age Federal Credit Union  First Place

The Louise Herring Award honors credit unions for programs that benefit their members by putting philosophy in action.  Congratulations to this year’s recipients:

Desert Schools Federal Credit Union: National Honorable Mention

• $1 Billion plus

     Arizona State Credit Union: Second Place
     Desert Schools Federal Credit Union: First Place 

The Desjardin Award is named in honor of the founder of the North American credit union movement, Alphonse Desjardins and recognizes youth and adult literacy programs.  Congratulations to this year’s recipients:

• $200-500 Million

     Tucson Federal Credit Union:  Second Place 
     Credit Union West:  First Place Adult Award
     Pima Federal Credit Union:  First Place Youth Award

• $50-150 Million
      Arapahoe Credit Union  First Place, Desjardins, Youth Award
• $150-500 Million
      Denver Community Credit Union First Place,   Desjardins, Adult Award

*All First Place statewide award winners were sent to the Credit Union National Association for National Judging and will be presented at the March 2012 Governmental Affairs Conference.

News Releases | Tuesday, 24 August 2010

Credit unions may submit a news release to be published online by sending it to This e-mail address is being protected from spambots. You need JavaScript enabled to view it or This e-mail address is being protected from spambots. You need JavaScript enabled to view it . 

04.16.2014 - Ent Awards 2014 Youth Endowment Series Grants

04.01.2014 - Arizona Central Credit Union Makes Award-Winning Financial Literacy Program Free for Local Classrooms

03.28.2014 - Sooper Credit Union Shows Strong Commitment to Regis University, Porter-Billups Leadership Academy

03.14.2014 - Ent Employee Recognized with Business Award

02.27.2014 - Boulder Valley Credit Union Hires New Estes Park Branch Manager

09.12.2013 - TempeSchools Credit Union adopts new name -Landings Credit Union

09.10.2013 - Ent Presents Car to “Swipe Your Way To A New Car” Winner

08.06.2013 - Credit Union Community Doubles Education and Leadership Development Assistance

07.11.2013 - Sooper credit union announces groundbreaking of new Arvada branch

06.26.2013 - 
Arizona State Credit Union Displays All 27 Versions of American Flag in Honor of Independence Day

06.26.2013 - Arizona State Credit Union's Shred-a-Thon Makes Final Stop in Flagstaff

06.24.2013 - Ent’s Pueblo Service Centers Participate in Relay for Life

06.19.2013 - Ent Raises More Than $38,000 for Pikes Peak Habitat for Humanity

05.29.2013 - SunCorp’s 2013 Annual Meeting Results

05.24.2013 - Mountain West Credit Union Foundation Award's $5,000 to Local Inspiration 

05.10.2013 - 
Ent Awards 2013 Youth Endowment Series Grants to 18 Pikes Peak Region Agencies

04.17.2013 - What’s Next: Mountain West Credit Union Association Second Annual Meeting

04.44.2013 - Boulder Valley Credit Union Receives Best in Category Marketing Award

Arizona State Credit Union Honored With Three CUNA Diamond Awards

03.05.2013 - Credit Union Exceeds Community Giving Goals

01.03.2013 -
G. Vernon Babilon Named President of Tucson Old Pueblo Credit Union

01.02.2013 - 
AEA Federal Credit Union Announces Charity Finalists for GO Direct Initiative $10,000 Donation

12.27.2012 - Ent Opens Applications for 2013 Pueblo YES Grant Program

12.20.2012 - Ent FCU Recognized as “Gold Fit-Friendly Worksite”

12.10.2012 - Ent FCU Business Banker Named Ambassador of the Year

12.07.2012 - Ball Corporation Affiliates with BVCU

12.11.2012 - Ent raises more than $168,000 for Pikes Peak and Pueblo United Way

12.10.2012 - Ent FCU Business Banker Named Ambassador of the Year

12.03.2012 - BVCU Adds New Boulder Branch Location

11.30.2012 - Bellco Teams with City of Denver for Colorado Convention Center Sponsorship

11.27.2012 - Arizona Central Credit Union Raises $50,000 for Kids

11.14.2012 - Credit Union Announces New Charity Event

11.05.2012 - Arizona Credit Unions Raise $5000 for Local Children’s Miracle Network Hospitals

10.16.2012 - The Mountain West Credit Union Foundation Presents Six Prestigious Awards at Annual Gala

10.03.2012 - Arizona State Credit Union Awards $37,000 in Local Student Grants

10.02.2012 - Aurora Schools Federal Credit Union is Recognized as Outstanding Community Leader

10.01.2012 - Bellco and Mile High United Way Partner on 39th Annaul Thanksgiving Day Turkey Trot

09.14.2012 - Arizona, Colorado & Wyoming Credit Unions Enter International Partnership

09.10.2012 - AEA Federal Credit Union Announces $200,000 GO Direct Initiative 

Benefiting Members and Community

08.22.2012 - Arizona Credit Unions Awarded For Social Responsibility, Philosophy in Action and Financial Literacy
08.22.2012 - Colorado Credit Unions Awarded For Social Responsibility, Philosophy in Action and Financial Literacy

08.22.2012 - Boulder Valley Credit Union Announces Complete Online eBranch as part of New Website Launch


08.20.2012 - SunCorp Staff Helps School Affected by Wild Fires

08.08.2012 - Credit Union and its Members Raise $5000 for High Park

07.13.2012 - Two Credit Union Memebers Win Scholarships

07.02.2012 - Boulder Valley Credit Union Donates to the Relief Effort for Fire Victims in Colorado

06.16.2012 - American Red Cross Northern Colorado Chapter Accepts Donation

06.15.2012 - Ent Raises More Than $42,700 for American Heart Association

06.11.2012 - Boulder Valley Credit Union Awards &7,500 in Scholarship Money

06.08.2012 - Foundation Awards Young Professional Scholarship

06.08.2012 - ENT Enhances Mobile Banking App

05.21.2012 - A [R]EVOLUTIONARY First Annual Meeting

05.15.2012 - Three State Foundation Merger

04.09.2012 - Financial Fitness Fair Offers Valuable Tips in Tucson

03.28.2012 - Association CEO Receives Industry Accolades

03.07.2012 - First Credit Union Awards College Scholarships

03.06.2012 - Boulder Valley Credit Union Receives National Lifetime Achievement Award
03.01.2012 - Indirect Lender of the Year

03.01.2012 - First Credit Union Offers FREE Tax Preparation Assistance

02.23.2012 - NeighborBench and Mountain West Credit Union Association Partner to Help More Credit Unions Address Compliance Challenges

02.15.2012 - Arizona Central Credit Union Named Top 5 Fundraiser for Kids

02.09.2012 - Mountain West Credit Union Association Introduces Strategic Partners: a Reinvented Service Corporation

02.09.2012 - Children’s Miracle Network kicked off 2012 with Credit Unions for Kids at Phoenix Children’s Hospital with One Darn Cool School   (download the pdf)

01.07.2012 - Credit Union Connects Local Residents With Employment Opportunities

01.06.2012 - Award Winning Financial Education

01.03.2012 - Local Credit Union Receives National Award for Fraud Prevention Awareness

09.08.2011 - Credit Union Finds New Way of Giving Back

07.05.2011 - Mountain West Credit Union Association Launches New Brand & Website

07.05.2011 - Introducing the Mountain West Credit Union Association

03.25.2011 - AZ, CO & WY Vote in Favor of Three-Way

11.08.2010 - AZ, CO & WY Sign Letter of Intent to Merge

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