When I reflect on 2020 I am reminded of the Arbor Knot, which is a type of knot used for fishing. When tension builds on the rope, the knot becomes stronger, improving the success of catching fish. In many ways, this is a good analogy for 2020. Last year was a difficult one for many as we mourned the loss of a loved one, a job, a graduation, or an experience. Although our metaphorical “rope” was under tension and stress due to the COVID-19 pandemic, it made us stronger as an organization and better able to confront the challenges that our members are facing.

As a credit union we found many bright spots in 2020 including a successful merger with Motor City Co-op Credit Union, which provided new and expanded products and services to members. We implemented strategies to live out our core values by quickly responding to the COVID-19 crisis. During the height of the pandemic we wrote 131 PPP Loans, 339 zero percent interest Member Relief Loans totaling $729,475 and deferred payments on 1,259 loans. Our staff worked tirelessly to quickly pivot and address our member’s needs and for that I am truly grateful.

We realize that many in our region are under financial pressure and our local non-profits are struggling as well. Part of our role as a credit union is to live out our values and make positive change in our community. We are proud to be a lead supporter of MCREST’s Returning Home Campaign.  This campaign will provide assistance and resources for those who are homeless, especially during this crucial time when many families are experiencing financial difficulties.

Credit unions were conceived out of the crucible of the Great Depression and our purpose is never more apparent than when times are difficult. We are hopeful at what this new year will bring and are ever grateful for your support during these challenging times for all. Know that we are continually evaluating new opportunities for innovation and new services to add convenience and safety.

As a reminder, we care about the safety of our members and employees. As such, we encourage you to take advantage of our online and mobile options for routine banking needs. Christian Financial offers many alternatives to in-person branch services, including:

•    Online and Mobile Banking
•    Online and Mobile Account Opening 
•    Online Loan Applications
•    Mobile Bill Pay with Snap to Pay
•    Person to Person Payments
•    Access to nearly 30,000 Fee-Free ATMs nationwide, including most 7-Eleven stores, through the CO-OP network
•    And so much more

For more information about our digital services, visit us online at christianfinancialcu.org/digitalservices. 

As we look to this new year with hope and optimism, we want you to remember Christian Financial is here for you. We will continue to strive, innovate and provide convenient, secure and personalized financial solutions.

For You & Because of You –




Patty Campbell
President & Chief Executive Officer