Member Testimonials 

In September, we asked our members for a short 150-word or less testimonial about the Credit Union; here are our four winners and other notable submissions:

1st Place Winner - Ravyn Rankin-Grant

I have been a member of the Credit Union for more than 15 years. My parents created an account for me from the time I was a toddler, and it was the best thing they could have done for me financially. Due to my long-standing relationship with the union and their promotion for first-time Caymanian homebuyers back in 2018, my husband and I were able to purchase our first home at the age of 22. Since we purchased our home, our mortgage interest rate has been consistent even though the commercial bank rates have skyrocketed. Our home is a duplex. Therefore, it is our home and also rental income for our family. If it wasn’t for the Credit Union, we would not have been able to purchase our home.”
 

2nd Place Winner - Tara Bush

"The Remarkable Excellence of Credit Union Staff" In the Cayman Islands, the Credit Union staff's efficiency and compassion are truly exceptional - Shirley Chambers, Janae McKenzie and Jeniece Powell. Just before the extended Easter weekend, I urgently requested a loan top-up, and they astounded me by processing it in just two days, even reaching out after 5 PM on a Thursday. Their dedication surpasses typical financial institutions. Despite strict regulations, they relentlessly find creative solutions, always backed by compassion. The Credit Union staff isn't about transactions but forging meaningful connections. Their actions reflect a profound commitment to their customers' well-being. They're not just fantastic; they're extraordinary. In a world of finance, they redefine customer service. Efficient, compassionate, and always going the extra mile, they consistently delight their customers. Their unwavering dedication makes them the lifeblood of our community. Thank you for being extraordinary

3rd Place Winner - Jordan Grant

When it came to purchasing my first property, my Credit Union was clearly the institution that I should go to.  With an attractive low-interest rate of 6.50% per annum and the ability for me to earn dividends on my own contributions, I knew I was making the right choice. Their helpful and friendly staff made the application process clear and easy. They were even happy to explain key concepts, such as my debt-to-income ratio. There were no hidden or closing fees, just the $200 application fee. I was able to set up a payroll deduction that goes directly to my account; this is a great way to help me save and service my loan monthly. Thanks to my Credit Union, I now own a piece of Cayman.

Youth Winner - Brooke Bodden

My name is Brooke Bodden, and I have been a member of the Credit Union for less than a year. As a young Caymanian who is under 18, Credit Union has allowed me to flourish by providing me with a young saver’s account, allowing me to securely receive my salary. Creating an account with Credit Union has been a straightforward process, unlike retail banks - which have a lengthy process for the youth that can make it demotivating to open a bank account. Having a bank account has motivated me to start saving and managing finances safely to achieve my future goals. Within the last few months, I have saved up nearly enough money to buy a car, which with a car loan at Credit Union’s amazing rates, will be affordable and serendipitous for a 17-year-old! Thank you, Credit Union, for empowering young Caymanians in the workforce.
 

Other Notable Submissions 

Phoenix Singh - Youth Submission

I have been a member of the Credit Union for two years.  The Credit Union helps me save my money by allowing me to place my money in the Credit Union and also to receive interest, knowing that my money is safe.  I have also started a new YouTube channel, and I was able to meet up with Mr. Basil Scott who taught me the history of the Credit Union, how interest rates work, and why the Credit Union is so important.

Elena Bazil

Thank you, Credit Union. You went above and beyond our expectations. Mrs. Angelita Small – You Help me, you help us. My son Kayden was about 4, turning 5 at the time. Had to be airlifted to Miami Baptist. We had 2 days to figure out where we would get the funds to travel with him and be by his side, not knowing how long we would be gone or the outcome. I will remember her words; no matter what happens, everything will be okay; trust in God. She was amazing. No words can say how much we appreciated her then and still do. All I can say, in two days, we were set with emergency funds to travel with my son.

Alexandra Mattocks

I joined Credit Union in 2017 after receiving a grant to assist with my college expenses. I reopened a new account in 2022, saving while seeking to purchase property. Property inflation is overwhelming, and it's difficult for young Caymanians to qualify to purchase land, build, or buy a house. Despite feeling demoralized, I've explored and found a tremendous property within a new development.I scheduled an appointment and met with an Officer at the Credit Union, who was highly informative. They advised me I qualified, informed me of my monthly instalments, and educated me on the loan process. Thanks to the Credit Union, I was able to purchase my first property financed at 100% and assigned a reasonable interest rate with a low closing fee. I am able to save, and I look forward to stage two when building my home.

Eustache Placide

In a world of financial temptations, my Credit Union has become my trusted ally in the journey to save and secure my financial future. I consciously chose not to acquire a bank card to prevent impulsive spending. My Credit Union has become a symbol of financial discipline, enabling me to establish a savings account for various purposes, like emergencies and long-term goals. Without a bank card, I can't impulsively access these funds, promoting responsible spending and consistent saving habits. Their personalized guidance and competitive interest rates have been invaluable. Thanks to this partnership, I've avoided financial pitfalls and steadily grown my savings while adhering to responsible financial management. My Credit Union has been more than a financial institution; it's been my financial compass for over a decade.

Jada Elliott

The Credit Union has helped me save by allowing me to take full control of my salary. When I was banking with competitors, I didn’t value the money the way I do with CU. Now that I have two separate accounts, both Savings and Shares, it has taught me how to be more strategic with money and has overall motivated me to put more into my savings. Since I cannot use my CU ATM card to make purchases, this has helped me be more conscious of and budget my money better. I pay more attention to my savings than I ever did before. This wouldn’t be possible without the structure of the CU. I no longer senselessly spend money because I have the funds available, I am thinking before I spend, and I can separate my savings from my disposable income all in one place. Spend less and save more!

Jessica Pawlik

Credit Union can get a lot of flack for the long lines and wait times, but I know first-hand that every time I enter into the building, I am always greeted warmly, and I am provided with excellent service. Credit Union enables me to be able to pay my children’s school fees in one annual payment every year through within-share loans. The amount of money that I save with the school by doing this allows our family to be able to pay for additional activities for our children and save extra money every year. The process is always seamless and through the within-share loan process, I don’t have to worry about not getting my dividends at the end of the year. I’m grateful that this service is offered to me and my family, and I am thankful to be a part of the Credit Union.

Shaneil Gay Brown

The Credit Union helped me to qualify for a loan to own my property. My husband and I tried previously without success as other banks would not qualify us. In 2018, the Credit Union had a campaign where they were offering 100% mortgage. We found a property and got approval to purchase the home. Even though the property was not built until approximately 1 ½ years later, the approval was still honoured, and we were able to become homeowners. Our Loan Officer was very thorough and patient throughout the process as there were numerous amendments after the approval. This campaign has not occurred since, and we are ever so grateful to the Credit Union for their consideration at the time as home ownership would not be possible now.

Terryann Robinson

The Credit Union has helped me to save and qualify for within-share loans without touching my actual savings. These funds have helped me as a single mother to fund my son’s university education in the USA. My savings constantly grew, which allowed me to get statements that served as proof that I could finance his education. The Credit Union also provided a grant (Rupert McCoy Memorial Education Grant) that also assisted in financing his education while studying in the Cayman Islands. The Credit Union is my safety net as I can fulfil my responsibility as a mother and still have savings in my account in case of an emergency. I can keep track of my accounts using their online platform CUonline. The CICSA is the best!
 

On 9 February 2020 we asked our members to tell us at least 3 reasons why they love our Credit Union, we received 588 responses, here are some:

Jodene said "The love relationship I share with Credit Union from a customer's view is a very open-door family feeling. Credit Union can never be labelled as just any bank. It overshadows what other banks refuse to do. They work with you! I always feel at home, even down to the securities are as a family. The credit union is the only lending institution that gave me a chance where I was able to obtain a loan for my first property at the tender age of 18. The credit union is the only place where you could truly get assistance with a smile and loan officers that really cared. I want to thank the many staff members on and off the job who have always been helpful and there for me in times of hardship. I am proud to say Credit Union in the Cayman Islands will always be my # 1. Where can you going if you need quick cash? An overdraft? Help with getting you a car? A mortgage with a savings program? Basically, a bonus to look forward to every year even in times of covid-19!!!  CREDIT UNION!!! #1 THANK YOU!!"

Delvina said  " I am a retired career Civil Servant, member of about 45years with my beloved Credit Union. It has encouraged me to save and borrow with much ease and minimal charges. When I go to the Credit Union, I feel at home and not like 'just a customer.' I receive friendly professional service, not to mention I can interact with folks I normally do not see elsewhere...Priceless!"

Shari said "I love the friendly and courteous staff that makes you feel like your part of a family. The great communication that the Credit Union maintains with its members is a breath of fresh air; I am always well informed of upcoming events, promotions and more.  But most of all I love the sense of financial empowerment, as a member.  I feel that with the Credit Union my money is working for me, with no hidden fees, with a share accounts I can gain dividends and truly save for my future." 

Topaz said "I love the Credit Union because I'm always greeted with a friendly smile. When I was pregnant, I was always pushed to the front of the line, easy on my legs and back.  Customer service was always ready to answer any questions I had. I was always greeted by a fellow Caymanian, something I rarely see in my own society. The location is in a great place, allowing me to get other errands done. During the worst of the Covid lockdowns, Credit Union reached out and helped buy food for my family. Staff Members always remember the holidays to bring a warm spirit into our homes. Parking was never an issue as they made sure members had enough space. My elderly father was always a priority as the Credit Union has a line just for the elderly. There's always a new promotion going on at the Credit Union to soften the load, so many of us face day-to-day. The ATM is always available, and if there's ever a problem, we are emailed any changes. I trust Credit Union."

Sue-Ann said "My money is safe at the Credit Union. Therefore, I do not worry about my money. The member service has been great. The Credit Union has provided the services I need. I was able to access a mortgage to purchase my first home,  and my family was able to close the loan while I was overseas for medical reasons. The loans department service was beneficial."

Victor said "Stability, Good Management, Assists with the Local Economy"

Salaiman said "Unlike a bank or other financial institutions where every transaction feels like a client and uptight business personnel, in the Credit Union it feels like home with family, you always have a sense of belonging and confidence there. I love it for that. Every single visit to the credit union the staff members always deliver me with a WOW in their excellent service. I love it for that. The Credit Union keeps getting better all the time. I love it for that." 

Weston said "I love that, unlike other banks that only charge fees that are way more than the interest given on one's savings, credit union gives dividends. Easy access to financial support, whether it be a vacation loan or a top-up, its easy to get help from a credit union. The special club, because credit union only clients are government workers and families, it's like an exclusive bank only for us. No fees on atm use and there is only one atm, so it keeps you from spending hance excessively help you to save money."  

Shari said "I love the friendly and courteous staff that makes you feel like your part of a family. The great communication that the Credit Union maintains with its members is a breath of fresh air, and I am always well informed of upcoming events, promotions and more.  But most of all I love the sense of financial empowerment, as a member, I feel that with the Credit Union my money is working for me, with no hidden fees, with share accounts I can gain dividends and truly save for my future." 

Carmilee said "I enjoy lower loan interest rates and higher saving rates on savings and dividend returns. Our Credit Union holds a powerful and respectful presence on our Island and brings no reputational risk to the Islands. The Board of directors and faculty are well known and reputable persons; therefore, when I enter the building, I get a feeling of ownership and family surrounding  - unlike the other institutions I feel like an unwelcome stranger standing in line." 

Jodiann said "Credit Union(CU)  is the place to be! Three reasons why I love My Credit Union: Love the Staff- this is a triple complement- each time I walk through the doors I am kindly and pleasantly greeted by security, and I get to see familiar face all the time. I also love that the credit union hires the younger generation as most front end staff seems to be young! Love the savings- In all ways and forms, CU is trying to help customers save! Love the marketing- Weekly updates, daily emails, instant customer service feedback for transactions, competitions I enjoy reading them all! CU has a love for the community, customers and care! "

Kin said "Friendly staff, families like atmosphere, great loan products and dividends."

 Janelle said "I love Our Credit Union; I love it oh so much. The products and the service is the best it is top-notch. I love the friendly faces with smiles that know no ends, and when December comes I love the dividends, in a jam and need some urgent funds? I love the express loans, and I love the within share since I can leave my savings alone. There are so many things that I love about our credit union, but my fifth and final reason is that the staff has excellent customer service no matter the time day or season."

Steven said "I love the credit union because it is such a friendly, helpful bank always genuinely interested in my welfare and finances. It pays such good dividends regularly. The staff are so friendly and form a great network of excellence across the whole bank. Bravo to all." 

Kayla said "Because of the staff. Every interaction is always pleasant, polite and friendly. They always know the answers to any questions and in the past had gone the extra mile to assist even when it wasn't expected. The truest form of Cayman Kind." 

Gladys said "Because is the best corporation on the island,  trusted and always work for the best for the customers I love credit union." 

Dwight said "I love our credit union because it always helps its members. Our credit union also helps us to save. And give you benefits that none of the commercial banks gives you."

Reina said "I love my Credit Union because they will always find a way to help me...I never leave this place empty hands; their motto should be " we have a solution for your needs." 

Sandra said  "When I am financially stressed, and I visit Credit Union, there is always some financial benefit to be had. I never come away disappointed." 

Dwayne said "I love Credit Union because I get to save while paying my loan, I get paid dividends on my share account with returns higher than other banks, and I love that the online banking is so simple and user friendly. " 

Raphel said "They are so many reasons I love Credit Union. The staff from senior to junior are always willing to help. Even my time working there, I've gain friends for life. Credit Union helped so many people and contributed so much to the community. Most of all, I love credit union for being there for me in my time of need. Forever grateful" 

 Jevoli said "I love my Credit Union, because they are friendly, the process is efficient, and they are  always thinking of ways to meet the needs of their members, and best of all they encourage you to save."

Michelle said "Staff are very reliable and helpful. I always get a quick response regarding any need or application I submit. I love credit union because I never had a bad experience and the customer service team is very helpful and responsible toward customers." 

Tamara said "Accommodating, efficient and convenient describes the Credit Union Family. It's the people's savings haven." 

Audrey said "I can remember joining the Credit Union when l first came on August 25th 1996 to teach at Savannah. My girls had benefited re grants when they started  University, and also during Hurricane Ivan. Assistance, encouragement,  and a sure help re advanced monthly. Yes, l am thankful, oh and after so long to get my second car completely 100% loan. Thanks. Thanks. Thanks!!! I was glad l came on board when l did. 20 years later, l still trust my credit union to the MAX...HIP! HIP! HOORAY!!!! A BLESSING everything." 

Gladys said "Customer service reps that I deal with are Intelligent, passionate and well mannered.  I find the Credit Union my most loved banking institution.  Never charges a withdrawal fee and gives a decent dividend." 

Miles said "I love my Credit Union because it is so easy to save with the payroll deduction; I feel my money is safe because I choose not to have an ATM card, so access to my savings is not as easy or convenient; and getting a personal loan was easy and seamless with good rates."

Denise said "I love the Credit Union for being there in times of real need. Credit Union assisted me with putting my son through college. Sometimes I used to feel so embarrassed by asking for salary advance, but the tellers are so professional."

Paulette said "Credit Union will at all times do everything possible to help or assist members with any issues faced with.  They are very efficient, reliable, quick with their responses and caring.  They find and create different ways for members to get the help we need.  These are some of the many ways I appreciate their services more than any other financial institute.  Overdraft, share loan, express loan, character loan, salary advance, personal loan and more.   No other financial institution cares like Credit Union.  Credit Union also looks out for struggling members.  No other financial institution cares that way." 

Katheryn said "The staff there are friendly and welcoming each time I visit, including security! The process of applying for a loan is seamless, and...whenever I open my email and see the credit union -I quickly open to find out all of the updated news they have for me! Thank you for always keeping me informed! "

Joset said "For me, CU is the main root, and I am the trunk. It is always willing to guide, help and just according to what my family and I can afford when our finance is constrained." 

 Zorah said "Since opening my Credit Union account, I've found so much comfort in financial security. I‚ lôve learned how to save, and this has allowed me opportunities in investments and just living comfortably with no worries."

Donald said "Because their customer service is the best of all the Banks Iôve been to, the agents are very courteous and goes beyond their duty, when I enter its door basically everyone is seen that you get the best treatment that can be offered. I particularly like the way they treat their seniors, even private parking for the seniors, even the security guard is very accommodating, from the time you enter until the time you leave, now that CUSTOMER SERVICE WITH A SMILE he makes me feel good, The credit Union is constantly trying to please their customers, and naturally, I'm a shareholder and dividends are great, I'm only sorry that I didn't join many years ago." 

Byron said "The credit union has provided the services I needed over the years. These include loans, mortgages, savings and atm cards. The staff are friendly and courteous. The credit union is safe, and I feel comfortable to save to  use the credit union." 

Nathina said "Credit staff treats you with love upon arrival.  Credit union communication between their clients are extraordinary and over and beyond most times. Credit union don't make me feel a way when I seek answers to anything I don't understand. They make u feel like their more than just a union." 

Mareka said "I love the credit union because they value us as their members, catered to our needs, and encourage savings. With the credit Union members get something back in the form of dividends that are awarded yearly. No matter how small it is, some savings. Also, the Credit Union give to the community and support education developments through the educational grant program. Credit Union values its members."