A credit union is a financial co-operative that is formed, owned and operated by people coming together on the basis of a community of interest. This might be based on members belonging to a specific community being employed within a certain industry or belonging to a particular organisation. There are 137 credit unions within Australia (as at February 2008) and these, in turn, are part of the worldwide credit union movement.

A credit union is distinctive from other financial institutions because it is entirely owned and operated by its members. It is a not-for-profit organisation whose priority is its members' well being. Apart from providing for operating costs and reasonable contingencies, the credit union returns virtually all profits to its members in the form of more services and a stronger place to do business.

At Holiday Coast Credit Union we have a goal to be professional in all aspects of service delivery and be recognised by our members and the broader community as an organisation that is values driven. We are committed to maintain a culture of being totally committed to enhancing the value of membership through excellent product and service delivery as well as the education of members and the broader community in all aspects of finance.

Our Mission

Holiday Coast Credit Union provides financial and related solutions that anticipate and meet the needs and expectations of Members for mutual benefit.

Our Vision

To excel in providing personalised solutions for mutual benefit.

Our Values

The following core values underpin our Mission and Vision and are seen as the way that we do things at Holiday Coast Credit Union:

Foundation Principle - Trust

“Trust creates consistency, demonstrate empowerment, encourages and sustains communication”

• I will be consistent in what I say and do
• I will always act in the best interest of all concerned
• I can be relied upon to perform my role with pride

Responsibility

“Taking ownership of your actions”

• I will be accountable for my actions/inactions and attitude
• I will offer solutions to improve the effectiveness of processes
• I will communicate with an open mind

Equity

“Fairness and impartiality – decisions free from bias, dishonesty or injustice“

• I will be fair and impartial, and keep an open mind
• I will respect an appreciate the differences in others

Co-operation

“The ability to work together toward a common goal”

• I will work with others to achieve positive solutions
• I will behave in a helpful manner
• I will communicate with empathy and respect

Integrity

“To be honest, truthful, and sincere”

• I will show care and consideration to others
• I will be honest and truthful
• I will respect others points of view

Professionalism

“To exceed the expectations of members and colleagues”

• I will be committed, competent and knowledgeable in my position
• I will deal with issues/ problems on a professional not personal level
• I will treat everybody with respect

Excellence

“Consistently achieving the highest level of performance through quality people, systems and service”

• I will always do my best
• I will commit to a never ending process of learning
• I will be motivated to deliver mutual benefit
• I will be adaptable and imaginative
  
  
   

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