named programs · 5 · from sources
What they call their work
Business Loans
Provides financing for funeral home businesses including equipment purchases, facility renovations, and business-related vehicles
Online and Mobile Banking
Offers online banking, mobile banking, bill pay, account alerts, and financial calculators for member convenience
Personal Loans
Offers unsecured personal loans for debt consolidation, vacations, weddings, and home improvements, as well as secured loans using share accounts or certificates as collateral
Student Loans
Partners with Sallie Mae to offer Smart Option Student Loans and scholarship search tools for members' educational needs
Vehicle Loans
Provides financing for new and used autos, light trucks, passenger vans, motorcycles, RVs, boats, snowmobiles, ATVs, and specialty funeral vehicles including hearses and limousines
activities · 2 groups
What they do
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Credit Union Financial Services 7 activities
- Facilitating bill payment and money transfer servicesProvides a free bill pay service that allows members to pay bills, send money to individuals, and receive electronic bills through the online banking platform.
- Offering loan rate incentives and promotionsProvides a 0.25% interest rate discount for members who set up automatic monthly payments on new loans and offers to match or beat lower vehicle loan rates found elsewhere.
- Offering personal loan productsProvides unsecured personal loans with competitive interest rates and secured personal loans using Term Certificates or Share accounts as collateral.
- Offering vehicle and specialty vehicle loansProvides financing for new and used automobiles, light trucks, passenger vans, motorcycles, RVs, boats, snowmobiles, ATVs, and specialty vehicles such as hearses, limousines, and flower cars. Also offers refinancing of existing auto loans and lease buyout options.
- Operating online and mobile banking servicesEnables members to manage accounts remotely through online and mobile web banking platforms, including checking balances, viewing transaction history, transferring funds between DCCU accounts, making loan payments, setting up recurring transfers, and receiving account alerts for low balances, loan due dates, and large transactions.
- Providing digital financial tools and resourcesOffers online financial calculators to help members estimate car affordability and retirement savings timelines, a scholarship search tool featuring over 5 million opportunities, and access to Sallie Mae Smart Option Student Loans. Also operates a YouTube channel sharing content related to funeral directors and credit union services.
- Providing savings and loan services to funeral directing professionalsOffers basic savings accounts and lending services tailored specifically to members of the funeral directing profession, with flexible and efficient financial solutions. Services include personalized support and competitive interest rates.
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Small Business and Nonprofit Lending 1 activity
- Providing business loans for equipment and vehicle purchasesOffers business loans to funeral industry professionals for purchasing equipment such as tractors, snow plows, and backhoes, as well as for renovating existing businesses and acquiring new or pre-owned business-related vehicles.
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financials · form 990 · fy2025
revenue
Total revenue$673K
Contributions & grants$00%
Program service revenue$495K73%
Investment income$165K24%
Other revenue$14K
expenses
Total expenses$430K
Program expenses—
Admin / overhead—
Fundraising—
Salaries & benefits$0
Grants paid out$0
Largest expense lineOther
balance sheet
Total assets$12.12M
Cash$4.81M
Investments$0
Liabilities$9.39M
Net assets$2.72M
Liquid reserves134.2 mo
6 years on record · 2020–2025 · YoY revenue -1.9%
leadership · form 990 part vii · fy2025
Who runs it
board members · 7
- CHARLES WATERMAN — VICE CHAIR
- DAVID PARENTE — BOARD MEMBER
- EUGENE M GUARINO — CHAIR
- KELLY DEITZ — SEC/TREAS
- MICHAEL BLASL — BOARD MEMBER
- TODD KILMER — BOARD MEMBER
- WAYNE BRASCO — BOARD MEMBER
relationships · 5
Who they work with
- Sallie Mae Partner — Partnered to provide members access to a scholarship search tool and student loan options.
- Sallie Mae Partner — Partnership to facilitate student loan products for members through the Smart Option Student Loan program.
- The New York State Funeral Directors Association Network — Business lending services are offered through affiliation with The New York State Funeral Directors Association.
- The New York State Funeral Directors Association Network — Directors Choice Credit Union serves members affiliated with The New York State Funeral Directors Association.
- YouTube Partner — Hosts official content for the credit union on its video platform.
strategies · 3
How they approach the work
Named approaches extracted from this org’s sources. Where others share an approach, follow it to see the full set of orgs running it.
- Competitive and Flexible Lending for Membersmethodology: flexible_lending_modelBy offering low-interest, flexible, and price-competitive lending products—including personal, vehicle, and business loans—the credit union increases financial accessibility and member retention, because affordability and adaptability directly address common financial pain points within the funeral director community.
- Digital-First Member Engagement and Educationmethodology: digital_engagementBy delivering financial education and communication through digital platforms like YouTube and online calculators, the credit union increases member engagement and financial literacy, because accessible, on-demand tools meet members where they are and support informed decision-making.
- Industry-Specific Financial Expertisemethodology: industry_specific_expertiseBy leveraging deep professional knowledge of the funeral directing profession, the credit union delivers more relevant and effective financial services, because shared occupational experience enhances trust, understanding, and responsiveness to niche financial needs.