University of Michigan Credit Union credit card reviews, rates, rewards and fees. Compare University of Michigan Credit Union credit cards to other cards and find the best card Ple...Open as many membership savings accounts as you need, give them nicknames in Online Banking and track your liquid reserves. Business High Yield Money Market: Earn 4.50% APY for 12 months with an opening deposit of $10,00 in new money * . Learn More. Ready to get started? Call us at 503.626.6600 or 800.452.8502 , make an appointment or …PenFed — short for Pentagon Federal — Credit Union was first established in 1935, and since then it’s become one of the United States’ largest credit unions. PenFed isn’t as restri...Progress Ridge Branch 14985 SW Barrows Road Beaverton, OR 97007. Phone: 503.626.6600.Our Rivermark Community Credit Union Locator will find the nearest branch locations from 13 branches. Tap a location to get details, including map, phone numbers, hours, reviews, and more.A Union Plus Credit Card is a flexible way to make purchases and build your credit rating, but it’s essential to make your payments in a timely manner. Learn how to make a Union Pl...To add merchant services for your business please contact Ashley Franta at Fiserv at 503.601.9780 or [email protected]. Have a question? Our Business Services team is here to help. Call us at 503.626.6600 or 800.452.8502, make an appointment or send us a message online. You're only a phone call or email away from accepting just about any ...Rivermark Community Credit Union is a not-for-profit financial cooperative with locations in Portland, Gresham, Beaverton, Happy Valley, Tualatin, Vancouver and The Dalles.Sep 29, 2566 BE ... Rivermark Community Credit Union is a not-for profit financial cooperative, providing affordable financial solutions to its members, ...Protect your finances with Rivermark's Security and Fraud blog category, featuring expert advice on safeguarding your accounts, spotting scams, and staying secure in the digital age. Explore our resources today and discover how Rivermark Community Credit Union prioritizes your financial safety – stay informed and defend against fraud effectively!Congratulations on choosing Rivermark Community Credit Union! Changing checking accounts can be a time-consuming process. You want to ensure that your automatic payments and deposits show up where you need them to. This switch kit is designed to make this process as simple as possible -- Just follow these simple steps to start …Manage your finances on the go, 24/7. With Rivermark Community Credit Union’s iPhone and iPad app, you can: • Deposit Checks. • Transfer funds. • Check your balances. • …Whether you need a versatile Business Checking Account to easily make business transactions, or a Savings Account to help your money grow, Rivermark has an option for you. Business High Yield Money Market: Earn 4.50% APY for 12 months with an opening deposit of $10,00 in new money * . Learn More. Ready to get started? Call us at …Click here for our home equity calculator. Meet Our Home Equity Team. Ann Smalberger Work: 503-906-9346 Email: [email protected]. Melissa Cobb Work: 503-906-9772 Email: [email protected]. Melissa Taylor Work: 503-906-9470 Email: [email protected] Vehicle/Motorhome/Boat 2022 and Older | 03-21-2024. Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request. 1 Repayment terms depend on purchase price, value, down payment, amount financed and credit …When you borrow money from a bank, credit union or online lender and pay them back monthly with interest on a set term, that’s called a personal loan. Choose a personal loan that b...9.49% - 18.29%. $16.34 - $21.19. Apply Online. 1 Depends on loan amount. 2 Tiered Rates are based on credit qualifications. 3 Estimated Payment per $1,000 Borrowed. Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.Friday, August 18th, 2023. 1:45 pm Shotgun Start. Langdon Farms Golf Club. 24377 NE Airport Rd #1. Aurora, OR 97002. During the 18-hole, scramble formatted tournament, golfers will have the opportunity to participate in our on-course contests and raffles to win amazing prizes! After teams have finished their round, we will have an awards dinner ...Low $500 minimum to open ($100 for youth accounts) Terms from six months to three years. Automatic renewals at maturity keeps your money working for you. Accounts Federally insured up to $250,000 by NCUA. View Rates Visit a Branch. To open a Certificate of Deposit, call us at 503.626.6600, or visit a branch. CD Laddering Technique.Mr. **** entered into a loan forbearance with Rivermark Community Credit Union from April 2020 through July 2021 and made no loan payments during the period of April 2020 through January 2021.Apple Pay can be set up in just a few easy steps. Open the Rivermark mobile app on your iPhone and login, tap the More menu and go to Card Control. Tap the “Add to Apple Pay” button below your card and “Add to Apple Wallet”. Your card information will be pre-populated in your Apple Wallet settings. Read and agree to the Terms & Conditions.In four simple steps, you can receive a ”blank check" to take with you to shop for a new vehicle. 1. Apply – Get pre-approved online, over the phone or at your local branch. 2. Receive Your Express Check – You will receive a “blank check," good up to your pre-approved limit for you to take to a licensed dealership in the state you ...Earn 1.5% cash back on every purchase, including items for this weekend’s barbecue, gas for the car, your morning latte, or a night on the town. Access your cash back in Online or Mobile Banking. Earn 1.5% cash back on all purchases …Both Navy Federal and USAA serve millions of veterans and military personnel. Here's a breakdown of the key differences for your needs. There are special banking opportunities for ...Earlier this week the credit industry was changed by new consumer protection laws. They're hardly taking the cut in profiteering laying down, however, and it's up to consumers to p... SE Portland (Hawthorne) Hawthorne Branch 2537 SE Hawthorne Blvd Portland, OR 97214. Phone. 503.626.6600. We suggest that you change your password regularly. On your mobile device, you can set up secure biometric login using your thumbprint or eyeprint ID. If you have any questions regarding your passwords, or Online Banking security, please give us a call at 503.626.6600 or 800.452.8502.Rivermark Community Credit Union First Community Or Credit Union. ABA Routing Number: Routing numbers are also referred to as "Check Routing Numbers", "ABA Numbers", or "Routing Transit Numbers" (RTN). The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers …One of the biggest advantages of long-term savings and investing is time. Saving over time with compounded returns makes a big difference in retirement savings outcomes. Getting started early is the best practice for building retirement savings. Human Investing has no account minimum, so members can start saving and investing today.5 days ago · Ranges from 5.00% to 4.55%. Open Online. *APY = Annual Percentage Yield. Interest is compounded and credited monthly. All rates are variable and subject to change. 5.00% APY applies to first $100,000 in account. Portion of balance over $100,000 will earn a rate of 0.05% APY. If your daily balance is greater than $100,000 your total APY will ... Online Banking gives you all the tools you need to fully manage your money, whether you’re at home or the office. View balances and account history, transfer money between …Beaverton, Oregon. Rivermark Community Credit Union Company Stats. Industry. Banking. Founded. 1951. Headquarters. Beaverton, Oregon. Country/Territory. United …Results 1 - 25 of 377 ... Index of contact profiles from Rivermark Community Credit Union · Contact Name profile photo for Teresa Horie Teresa Horie · Contact Info&nb... Apply for loans, open new accounts, get help with online banking, sign forms, and more, right from your computer or mobile device. It’s like using Facetime, Skype, Zoom or any other video conference-style platform you’ve grown accustomed to. Video Banking Hours (PST): Mon – Thurs: 9am-5pm. Fri: 9am-6pm. Sat: 10am-2pm. Rivermark's ABA number is 323076012. If you need to know our routing number, you'll also likely need your account number. To find your checking account number, log into online banking. Browse to your checking history and click on the account details link. You will see a 14-digit ACH number, this is your ACH number.Are you in the market for a new car? If so, it’s important to understand your auto loan and financing options. One institution that offers excellent options for residents of Colora...Joining a credit union offers many benefits for the average person or small business owner. There are over 5000 credit unions in the country, with membership covering almost a thir...FAIRFIELD, N.J.-- (BUSINESS WIRE)--11:11 Systems (“11:11”), a managed infrastructure solutions provider, today announced a new case study with Rivermark Community Credit Union. Founded more than 70 years ago, Rivermark Community Credit Union provides financial solutions to over 90,000 members across the Pacific …Rivermark Community Credit Union First Community Or Credit Union. ABA Routing Number: Routing numbers are also referred to as "Check Routing Numbers", "ABA Numbers", or "Routing Transit Numbers" (RTN). The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers …Welcome to Rivermark Community Credit Union! We are delighted to have been selected by Lighthouse Community Credit Union as the partner responsible for continuing a long tradition of personal service, resolving financial obstacles, and supporting the community. The merger was official as of June 1, 2021, but your Lighthouse …Mar 19, 2024 · Ranges from 1.82% to 3.00% (depending on balance) Open Online. 1 To earn the Free Checking Plus rate of 3.00% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the following requirements each cycle: Twelve (12) posted and cleared debit card transactions; Log in to Online Banking; and receive e ... The Paycheck Protection Program’s (PPP), the first and second round, have doled out hundreds of billions of dollars to small businesses. The Paycheck Protection Program’s (PPP), th...Read More. Rivermark's free mobile banking app gives you access to your accounts anytime, anywhere. Available for Apple and Android devices. Fact is, we were the first …Low $500 minimum to open ($100 for youth accounts) Terms from six months to three years. Automatic renewals at maturity keeps your money working for you. Accounts Federally insured up to $250,000 by NCUA. View Rates Visit a Branch. To open a Certificate of Deposit, call us at 503.626.6600, or visit a branch. CD Laddering Technique.Auto Loans. Whether you’re looking for something new, used, or simply want to refinance your loan from another lender, you’ll enjoy one of the lowest rates around, a quick-and-easy application, local service, and no fees. Low fixed rates. No application fee or loan fee. 100% financing available for new autos. Terms up to 84 months. Progress Ridge Branch 14985 SW Barrows Road Beaverton, OR 97007. Phone: 503.626.6600. Rivermark Community Credit Union is a not-for profit financial cooperative, providing affordable financial solutions to its members, with an emphasis on being local, personal, and accessible. We are passionate about financial empowerment and resolving your financial obstacles. Community Involvement. At Rivermark, we are dedicated to making a positive impact in the communities we serve. That's why we have established three main community development pillars: housing security, children's health, and fighting hunger. We firmly believe that the credit union model can act as a catalyst in addressing these critical issues.The term “wire transfer” also has a more narrow technical meaning, referring to one certain method of transferring funds, which usually involves an electronic transfer of funds from one bank or credit union account to another. Rivermark provides domestic wire transfers for members, but does not offer international wire transfers. Categories ...Earlier this week the credit industry was changed by new consumer protection laws. They're hardly taking the cut in profiteering laying down, however, and it's up to consumers to p... As a not-for-profit financial cooperative, we focus on our members and on the communities where we reside. People come first at Rivermark, so when you bring your money and trust to us, you know you’re getting service you can be confident in. We have highly rated online banking services, extended hours (Monday - Friday, 8 AM – 8 PM), and are ... Option 1. Within Online Banking: Log in to Online Banking. Click on your account name in the My Accounts dashboard. Click Account Details on the left side of the page. You will find your ACH number in the Account Details dropdown. Option 2. On Your Checks. You can also find your ACH number listed on your checks. Checking at Rivermark equals a free account that pays you to use it, along with a highly rated online and mobile banking experience. Free Checking Plus provides the best for your everyday banking needs. Earn 3.00% APY * on balances up to $15,000. Enjoy ATM Fee Refunds nationwide (up to $12 per month) No monthly fee or minimum balance requirement. Rivermark Community has 13 branches across 2 states , offering a wide range of financial services to our members. Services may vary by location. Please verify services at your …RIVERMARK COMMUNITY CREDIT UNION NEWBERG BRANCH. RIVERMARK COMMUNITY CREDIT UNION has 12 different branch locations. The NEWBERG BRANCH is located in NEWBERG, OR at 2414 E Portland Rd. See location on map below. For additional information, such as hours of operation, please call (800) 452-8502.Marriage is a beautiful journey that requires effort, commitment, and effective communication to thrive. Whether you are newlyweds or have been married for decades, learning how to...E-Statements. Now you can skip the paper statement, reduce clutter and give your paper shredder a break with Rivermark electronic statements and notices. Every time a notice or monthly statement is ready, you’ll get an email reminder. Access statements securely in Online and Mobile Banking. View, print and save your statements and notices ...In the ever-evolving landscape of journalism, local newspapers play a vital role in keeping communities informed about important news and events. One such publication that has beco... Coaches are certified through CUNA’s Financial Counseling Certification Program. They can assist with putting together a spending or savings plan, build or rebuild credit, managing and consolidating debt, and managing cash or paying bills. Our coaches are available by appointment at a local branch or remotely. Email Us. Business Loans. Rivermark is here to help you reach your financial goals - for you as well as your business. We offer several different types of business loans to help you achieve your unique goals. Term Loans. Lines of Credit. Commercial Real Estate. Business Auto Loan. Business Cash Back Visa. If you're interested in applying for a business ...Rivermark's Executive Team is committed to offering incredible and convenient financial solutions with our members' best interest in mind. Seth Schaefer. President and Chief Executive Officer. Cori Poland. Chief Experience Officer. Aben Hill. Chief Lending Officer. Click here for our home equity calculator. Meet Our Home Equity Team. Ann Smalberger Work: 503-906-9346 Email: [email protected]. Melissa Cobb Work: 503-906-9772 Email: [email protected]. Melissa Taylor Work: 503-906-9470 Email: [email protected]. Beaverton Drive-Up 4875 SW Griffith Drive Beaverton, OR 97005. Phone: 503.626.6600. ENT Credit Union is a leading financial institution in Colorado, offering a wide range of banking services to its members. Whether you’re looking for a loan, a credit card, or simp...Glen Burnie, MD is a vibrant and growing community that offers residents a unique opportunity to make their mark on the future. Glen Burnie is home to an active and engaged communi... RIVERMARK COMMUNITY CREDIT UNION GEMINI ADMIN BUILDING. RIVERMARK COMMUNITY CREDIT UNION has 12 different branch locations. The GEMINI ADMIN BUILDING is located in BEAVERTON, OR at 9125 SW Gemini Dr. See location on map below. For additional information, such as hours of operation, please call (800) 452-8502. Tualatin Branch 8235 SW Tualatin-Sherwood Road Tualatin, OR 97062. Phone: 503.626.6600. Rivermark offers several types of Individual Retirement Accounts (IRAs). Roth IRA - Contributions of earned income are allowed (subject to annual limits) at any age and qualified distributions are tax-free. Traditional IRA - Contributions of earned income (subject to annual limits) allowed up to age 70.5. Earnings accumulate tax-deferred and ... Coaches are certified through CUNA’s Financial Counseling Certification Program. They can assist with putting together a spending or savings plan, build or rebuild credit, managing and consolidating debt, and managing cash or paying bills. Our coaches are available by appointment at a local branch or remotely. Email Us. Rivermark Insurance Agency can help provide the protection you deserve by comparing plans from multiple carriers. Affordable and attainable based on age and coverage period. Different level of premium options available for a specific time period or yearly renewable term policy. Coverage for life events such as marriage, children, divorce ...Whether you’re heading off to college or you’ve already graduated, we have options to help you take control of your student loans—because while college memories are forever, college debt shouldn’t be. Or call 866.686.6854 to speak …Apple Pay can be set up in just a few easy steps. Open the Rivermark mobile app on your iPhone and login, tap the More menu and go to Card Control. Tap the “Add to Apple Pay” button below your card and “Add to Apple Wallet”. Your card information will be pre-populated in your Apple Wallet settings. Read and agree to the Terms & Conditions. Apply for loans, open new accounts, get help with online banking, sign forms, and more, right from your computer or mobile device. It’s like using Facetime, Skype, Zoom or any other video conference-style platform you’ve grown accustomed to. Video Banking Hours (PST): Mon – Thurs: 9am-5pm. Fri: 9am-6pm. Sat: 10am-2pm. E-Statements. Now you can skip the paper statement, reduce clutter and give your paper shredder a break with Rivermark electronic statements and notices. Every time a notice or monthly statement is ready, you’ll get an email reminder. Access statements securely in Online and Mobile Banking. View, print and save your statements and notices ...Whether you’re heading off to college or you’ve already graduated, we have options to help you take control of your student loans—because while college memories are forever, college debt shouldn’t be. Loan amounts up to $75,000 for undergraduate programs and $125,000 for refinance. Or call 866.686.6854 to speak with a Student Choice ...A first mortgage (10/6 ARM) of $184,000 at 6.500% with an APR of 6.937%, has principal and interest payments of $1,193.89 for 60 months. The example APR includes an origination fee of $1,299 and Points. Origination Fees vary based on loan amount, between $250 - $1,299. Actual APRs for individual loans may differ.Welcome to Rivermark Community Credit Union! We are delighted to have been selected by Lighthouse Community Credit Union as the partner responsible for continuing a long tradition of personal service, resolving financial obstacles, and supporting the community. The merger was official as of June 1, 2021, but your Lighthouse …Rivermark Community Credit Union. 6,735 likes · 97 talking about this · 19 were here. We're here to help you stay connected to your money anywhere,... Rivermark Community Credit Union. 6,735 likes · 97 talking about this · 19 were here. Coaches are certified through CUNA’s Financial Counseling Certification Program. They can assist with putting together a spending or savings plan, build or rebuild credit, managing and consolidating debt, and managing cash or paying bills. Our coaches are available by appointment at a local branch or remotely. Email Us. Especially with a Kids Savings account (ages 0-12) and Go Money for teens (ages 13-17) – both available at no cost to Rivermark members. Free savings accounts. Easy to open. Perfect for kids and teens. Financial education focus.May 14, 2562 BE ... 2024 KGW Great Food Drive (30 Sec) | Rivermark Community Credit Union ... A Credit Union Made For You | Rivermark Community Credit Union.Dec 5, 2023 · About this app. arrow_forward. The Rivermark Mobile Banking App and Wear OS is like having a credit union branch in your hand! Manage your finances on the go, 24/7. With Rivermark Community Credit Union’s Android phone and tablet app, you can: • Deposit Checks. • Transfer funds. • Check your balances. • View recent transactions. Vancouver (Fruit Valley) Vancouver Branch 1910 W Fourth Plain Blvd #100 Vancouver, WA 98660. Phone: 360.694.8329.Rivermark Community Credit Union Pacific Coast Banking School Report this profile Activity Happy 2024 to my LinkedIn Community. If you work with Small Business Owners and don ...Mr. **** entered into a loan forbearance with Rivermark Community Credit Union from April 2020 through July 2021 and made no loan payments during the period of April 2020 through January 2021.Jumbo loans (for loan amounts exceeding $726,200) are available to help make higher priced and luxury homes more affordable. Available as a fixed or adjustable rate. Today's Rates. Find a Mortgage Loan Officer. Sunny Freestone Work: 503-906-9397 Email: [email protected] 15, 2562 BE ... Rivermark & Advantis Proud to Announce Merger Agreement · 455 views ; 2024 KGW Great Food Drive (60 Sec) | Rivermark Community Credit Union · ...Recreational Vehicle/Motorhome/Boat 2022 and Older | 03-21-2024. Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request. 1 Repayment terms depend on purchase price, value, down payment, amount financed and credit … The Dalles Checking. Learn more about our better than free checking accounts. With up to 3.00% APY and nationwide ATM refunds, you know you’re in good hands. Rivermark also knows how important it is to keep up with today’s technological advances and conveniences, so we offer a top-rated mobile banking app where members can access account balances, pay bills, make mobile deposits, and more. Beaverton Drive-Up 4875 SW Griffith Drive Beaverton, OR 97005. Phone: 503.626.6600.
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Vancouver (Fruit Valley) Vancouver Branch 1910 W Fourth Plain Blvd #100 Vancouver, WA 98660. Phone: 360.694.8329.Daily balance is $15,000 or less. 2.96%. 3.00%. Daily balance is greater than $15,000. 0.05% (amount over $15,000) Ranges from 1.82% to 3.00% (depending on balance) Open Online. 1 To earn the Free Checking Plus rate of 3.00% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the …0.50%. Open Online. Minimum balance to open $100,000. Interest is compounded daily and credited monthly. * Annual Percentage Yield. 1 Minimum Balance to Earn Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings. At Rivermark, our money market accounts are a great way to help you save.Pentagon Federal Credit Union — known to most simply as PenFed — is a popular credit union in Virginia that offers the common services that most banks and credit unions offer their...Gresham Checking. Learn more about our better than free checking accounts. With up to 3.00% APY and nationwide ATM refunds, you know you’re in good hands. Rivermark also knows how important it is to keep up with today’s technological advances and conveniences, so we offer a top-rated mobile banking app where members can access account …Amber • Drayton • [email protected] • 503.905.3108. Your financial wellbeing is a top priority. In keeping with that philosophy, we are excited to have partnered with Human Investing as our wealth management partner. Serving members in Portland, Gresham, Beaverton, Happy Valley, The Dalles, Vancouver and beyond.We provide opportunities for our employees to demonstrate that they truly care and are passionate about who we are and what we do! Rivermark's Community Involvement. 2023 Great Food Drive Recap | Rivermark Community Credit Union. 2022 Charity Golf Tournament | Rivermark Community Credit Union. The actual determination of …Rivermark was founded in February 1951 by 140 grocery store employees who formed Safeway Portland Employees Federal Credit Union. In 2004, the credit union was approved for a community charter and changed its name to Rivermark Community Credit Union. Today Rivermark serves over 88,000 members who live or work in one of 11 …ENT Credit Union is a leading financial institution in Colorado, offering a wide range of banking services to its members. Whether you’re looking for a loan, a credit card, or simp...9.49% - 18.29%. $16.34 - $21.19. Apply Online. 1 Depends on loan amount. 2 Tiered Rates are based on credit qualifications. 3 Estimated Payment per $1,000 Borrowed. Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.Background. Rivermark Community Credit Union headquarters is in Beaverton, Oregon has been serving members since 1951, with 13 branches and 12 ATMs. The Main Office is located at 9125 SW Gemini Drive, Beaverton, Oregon 97008. Contact Rivermark Community at (503) 626-6600. Access Rivermark Community Credit Union Login, …Friday, August 18th, 2023. 1:45 pm Shotgun Start. Langdon Farms Golf Club. 24377 NE Airport Rd #1. Aurora, OR 97002. During the 18-hole, scramble formatted tournament, golfers will have the opportunity to participate in our on-course contests and raffles to win amazing prizes! After teams have finished their round, we will have an awards dinner ...Supervisory Committee Member. $9,000. If you have any questions about the Board of Directors or Supervisory Committee, please contact Bonnie Dibb at 503.626.6600, extension 696 or [email protected]. Meet the Rivermark Board of Directors and Supervisory Committee. They are not only members, they are also hard working …Ranges from 1.82% to 3.00% (depending on balance) Open Online. 1 To earn the Free Checking Plus rate of 3.00% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the following requirements each cycle: Twelve (12) posted and cleared debit card transactions; Log in to Online Banking; …Progress Ridge Branch 14985 SW Barrows Road Beaverton, OR 97007. Phone: 503.626.6600.E-Statements. Now you can skip the paper statement, reduce clutter and give your paper shredder a break with Rivermark electronic statements and notices. Every time a notice or monthly statement is ready, you’ll get an email reminder. Access statements securely in Online and Mobile Banking. View, print and save your statements and notices ...Results 1 - 25 of 377 ... Index of contact profiles from Rivermark Community Credit Union · Contact Name profile photo for Teresa Horie Teresa Horie · Contact Info&nb...Rivermark's Executive Team is committed to offering incredible and convenient financial solutions with our members' best interest in mind. Seth Schaefer. President and Chief Executive Officer. Cori Poland. Chief Experience Officer. Aben Hill. Chief Lending Officer.Rivermark Community Credit Union, Portland, Oregon. 17 likes · 18 were here. Our Portland Branch serves the banking needs of the Hawthorne neighborhood... Apply for loans, open new accounts, get help with online banking, sign forms, and more, right from your computer or mobile device. It’s like using Facetime, Skype, Zoom or any other video conference-style platform you’ve grown accustomed to. Video Banking Hours (PST): Mon – Thurs: 9am-5pm. Fri: 9am-6pm. Sat: 10am-2pm. Discover Rivermark. At Rivermark, we’re everything the big banks wish they could be: Member owned; People before profits; Strong local roots in the community; Extended ….