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DUMKA 236 OPINION MAGAZINE - Winter 2018

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Д

УМКА

КООПЕРАТИВНА

The Ukrainian Federal Credit Union Opinion Magazine | #236 | Winter 2018

CELEBRATING 65 YEARS


Board of Directors

Mission

To help our members achieve financial success by providing them with the highest level of personalized service.

Vision

Ukrainian Federal Credit Union will be the financial provider of choice for our members. We will be one of the leading Credit Unions in the USA. Our brand will be recognized for: • Exceptional quality and value; • Unparalleled service; • Technical experience; Great place to work, learn and share;

• C ommunity outreach

process that supports our common bond membership.

Our Values

• Caring Culture • Open Communication • Superior Service • Personalized Solutions

Наша Місія

Допомагати нашим членам у досягненні фінансового успіху, надаючи їм найвищий рівень індивідуального професійного обслуговування.

Наше Бачення

Українська Федеральна Кредитна Спілка має за мету стати головною фінансовою установою для наших членів. Наша установа буде однією з лідерів кредитних спілок США. Наша відмінність полягатиме в: • Відмінній якості обслуговування • Знаннях та досвіді • Доброму місці для праці та навчання • Роботі по співпраці з громадою та ії підтримці.

President & Board Chairman / Wasyl Kornylo Treasurer / Barbara Tymoc-Gutierrez Assistant Treasurer / Bohdan Zakharchyshyn Secretary / Richard Harris 1st Vice President/Assistant Secretary / Yaroslav Fatyak 2nd Vice President / Yaroslav Kirik Board Member / Tamara Denysenko Honorary Board Members / Lubomyr Galuga, Jurij Kushner, Wolodymyr Pylyshenko

Supervisory Committee

Chairman / Dr. Evhen Lylak Members / Vasiliy W. Gritsyuta, George Hajduczok, Olga Kovaliov (Bilokin) and Rostislav Melnik

Community Relations Committee

Co-chairs / Yaroslav Fatyak & Bohdan Zakharchyshyn

Ukrainian-American Community Foundation, Inc. Chair / Tamara Denysenko Members / Wasyl Kornylo, Yaroslav Fatyak, Barbara Tymoc-Gutierrez, Dr. Evhen Lylak

Undergraduate Scholarship Committee

Members / Barbara Gutierrez, Dr. Christine Hoshowsky, Anne Kornylo, Volodymyr Otvarukhin, Nadia Tratch, Bohdan Zakharchyshyn

Graduate Scholarship Committee

Chair / Dr. Evhen Lylak Members / Olena Prokopovych, Ph. D. & Elena Dilai

Library Committee

Chair / Wolodymyr Pylyshenko Librarian / Wasyl Zolotarchuk

Наші Цінності

• Дбайливе ставлення • Відкрите спілкування • Найвищий рівень обслуговування • Індивідуальний підхід

Executive Staff

Chief Executive Officer / Oleg Lebedko Chief Operating Officer / Tanya Dashkevich Chief Financial Officer / Roman Omecinskyj, CPA, CGMA Chief Lending Officer / Maria Milazzo

Management Team

HR and Training Manager / Kelly Nield Regional Branch Manager for Rochester & Webster / Roman Kshysyak Syracuse Branch Manager / Nadia Hayduke Regional Branch Manager for Portland & Vancouver / Oleksandr Moskal Sacramento Branch Manager / Mikhail Tkach Boston Branch Coordinator / Lyubov Stefantsiv Regional Branch Manager for Buffalo & Amherst / Sophia Kenn Federal Way Branch Manager / Oksana Pierce Parma Osnova Branch Manager / Inessa Koval

Editorial Staff

Editor-in-chief / Alexander Oryshkevych Editors / Oleg Lebedko, Tanya Dashkevich Layout & Graphic Design / Sukhenko Design

UFCU Contact Information

Web / www.ukrainianfcu.org Email / info@ukrainianfcu.org Address / 824 East Ridge Road, Rochester, NY 14621 Phone / 877-968-7828 Fax / 585-338-2980

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A Message from the

UFCU Board & Management

Wasyl Kornylo

PRESIDENT & BOARD CHAIRMAN

Oleg Lebedko CEO

On behalf of all of us at UFCU, we wish our members happiness and prosperity during this holiday season. We are thankful for your trust in our financial institution. Our credit union has experienced tremendous growth in all areas of our operations in 2018 – in the first 10 months of the year UFCU grew by over 10% in loans, and over 6% in shares. Total assets exceeded $243 million, and we exceeded the budget numbers for net income from our operations. This success allowed us to offer great specials dedicated to the 65th anniversary of our credit union. High-rate share and IRA certificates, personal loan rate specials and VISA transfer promotions contribute to the total value you get at your financial institution, along with low fees and convenient access to your accounts. But we believe that the most important value you get from UFCU is the personalized service. Our staff is dedicated to providing the highest level of service to our members, and we constantly provide training and coaching in those areas.

UFCU leadership recently held strategic planning sessions to review its mission and vision, establish strategic objectives in the areas of growth and expansion, to introduce new and improved products and services, to increasing access channels to member accounts, among other innovations. Our vision continues to be the financial provider of choice for our members, to be one of the leading credit unions in the USA. Our brand will be recognized for: n Exceptional quality and value n Unparalleled service n Technical expertise n Great environment to work, learn, share and grow n Community outreach process that supports our common bond membership Continued on Page 4 >

Від імені всіх нас в кредитній спілці ми бажаємо нашим членам щастя та процвітання в цей святковий час. Ми вдячні вам за довіру до нашої фінансової установи. З початку року наша кредитна спілка значно зросла у

прагнуть забезпечити найвищий рівень сервісу наших

всіх ділянках нашої роботи – кредитний портфель зріс

членів, і ми постійно проводимо навчання та тренінги в

на 10%, а депозити - більше 6%. Загальні активи досягли

цих сферах.

243 мільйони доларів, а чистий прибуток перевищив заплановані бюджетні цілі.

Керівництво нашої установи нещодавно провело сесії стратегічного планування для перегляду місії та бачення

Цей успіх дозволив нам запропонувати вигідні акції,

кредитної спілки, для встановлення стратегічних цілей у

присвячені 65-річчю нашої кредитної спілки. Високі ставки

сферах зростання та розширення, запровадження нових

відсотків на сертифікати, спеціальні ставки за особистими

та покращених продуктів та послуг, збільшення кількості

кредитами та кредитними картками, разом із низькими

каналів доступу до рахунків, інших інновацій.

комісіями та зручним доступом до ваших рахунків – все це разом робить ваше членство в спілці дуже вигідним. Але

Нашим баченням є і надалі бути головною фінансовою

найважливішою вигодою, яку ви отримуєте від кредитної

установою для наших членів та бути одною з провідних

спілки є персональне обслуговування. Наші співробітники

кредитних спілок у США. Наші цінності та керівні принципи:

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A Message from the

UFCU Board & Management (cont.) Our values and guiding principles are:

ДБАЙЛИВЕ СТАВЛЕННЯ ми піклуємося про наших співробітників, колег, членів та громаду. Ми не тільки надаємо фінансові послуги, але й

CARING CULTURE At UFCU we care about our employees, co-workers, members and community. We are not only here to provide financial services, but also to develop and support our employees and the communities in which we live.

розвиваємо та підтримуємо наших співробітників та громаду, в якій ми живемо.

ВІДКРИТЕ СПІЛКУВАННЯ ми сприяємо спілкуванню через всі формальні та неформальні канали, де всі сторони можуть безпечно та професійно

OPEN COMMUNICATION

висловлювати свої думки та ідеї, та отримувати відгуки.

At UFCU we strive to foster communication that flows openly through all formal and informal channels where all parties are able to express thoughts and ideas and solicit valuable feedback.

НАЙВИЩИЙ РІВЕНЬ ОБСЛУГОВУВАННЯ

SUPERIOR SERVICE

беремо на роботу та навчаємо працівників, які слухають наших

At UFCU we strive to be the financial provider of choice for our members by delivering the highest quality of service. We hire and train employees who listen and understand our members’ needs, seek innovative solutions, take personal responsibility for every request and consistently provide prompt, courteous service and follow up.

ми прагнемо бути головною фінансовою установою для наших членів, забезпечуючи найвищу якість обслуговування. Ми членів та розуміють їх потреби, шукають інноваційних рішень, несуть особисту відповідальність за кожний запит та постійно забезпечують оперативне, ввічливе обслуговування.

ІНДИВІДУАЛЬНИЙ ПІДХІД ми тісно співпрацюємо з нашими членами, щоб будувати та підтримувати міцні стосунки. Ми знаємо наших членів та нашу

PERSONALIZED SOLUTIONS At UFCU we work closely with our members to build and maintain strong relationships. We know our members and our community; we actively listen to their needs and identify a plan and solution to meet their specific goals. We always welcome feedback; member opinion is very important to us. Please feel free to contact any of our managers or board members if you have any suggestions or questions about our services. Thank you for your trust and business with our credit union!

громаду; ми активно слухаємо їх потреби та визначаємо план та рішення для досягнення їх конкретних цілей. Ми завжди раді вашим відгукам; думки наших членів дуже важливі для нас. Будь ласка, не вагайтеся звертатися до будького з наших керівників, якщо у вас є пропозиції або питання про наші послуги. Дякую за вашу довіру та співпрацю з нашою кредитною спілкою!

Maria Milazzo Promoted

Maria Milazzo was promoted to Chief Lending Officer in the summer of 2018. Maria has over 25 years of experience in lending, including consulting for various other businesses and financial institutions. She earned her Master’s in Business Administration (MBA) from Rochester Institute of Technology and worked over the years to develop her keen sense of the lending market. We're proud to say that Maria has been with the Ukrainian Federal Credit Union for over 11 years, and we look forward to her leadership in continuing to grow and strengthen our loan portfolio. As of September 30, 2018, Ukrainian FCU had $216 million in loans.

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of the Wasyl Kornylo, President & Board Chairman of Ukrainian Federal Credit Union, headquartered in Rochester, NY, was chosen as Volunteer of the Year by the National Association of FederallyInsured Credit Unions (NAFCU).

This year’s NAFCU Annual Awards Competition honored eight winners in total and was selected by a committee of credit union leaders. Nominees for CEO of the Year, Credit Union of the Year, Professional of the Year and Volunteer of the Year were judged in two categories: credit unions with assets of more than $250 million and those with assets of $250 million or less. Kornylo was a winner among credit unions with $250 million or less in assets.

Kornylo and other winners in NAFCU’s 2018 Annual Awards Competition were honored during NAFCU’s 51st Annual Conference and Solutions Expo in Seattle, Washington, June 19-22, 2018.

Annual Awards Competition winners were celebrated during the conference’s general session and breakfast on June 20 and profiled in the July-August edition of The NAFCU Journal magazine.

“Mr. Kornylo’s dedicated efforts are reflected in the continued success of Ukrainian Federal Credit Union, demonstrating thoughtful leadership skills, as well as developing new ideas that are beneficial to our organization’s growth,” said Oleg Lebedko, CEO, Ukrainian Federal Credit Union. “This award reflects Wasyl’s exemplary services on behalf of our members.”

PHOTO (L-R): Oleksandr Moskal, Portland, OR & Vancouver, WA Regional Branch Manager (Ukrainian FCU), Peter Drogomiretskiy (Ukrainian FCU member), Oksana Pierce, Federal Way, WA Branch Manager (Ukrainian FCU), B. Dan Berger, President & CEO (NAFCU), Wasyl Kornylo, President & Board Chairman (Ukrainian FCU), and Brian Schools, President & CEO (Chartway Federal Credit Union).

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Acts of

Kindness In the spirit of our credit union’s 65th anniversary we embarked on a goal to complete 65 acts of kindness. We feature some of those acts on this page to show our readers how the credit union philosophy of people helping people is alive today. Our mission goes beyond providing financial services to our members.

Make-a-Wish for a Ukrainian Veteran For more about our News & Events, please visit our website: ukrainianfcu.org/community/news-events/

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Mykola Levkun, a 33-year old Ukrainian war veteran, husband and father of two children, was accepted into a U.S. hospital for additional surgery and recovery. During his stay he wished to see Niagara Falls before being sent back to Ukraine. We answered the call, and our Regional Manager, Sophia Kenn, along with some friends, took Mykola to make his wish a reality.


Sponsored 11 Families to Attend Summer Camp UFCU sponsored the Voice of Hope Church summer camp in July 2018. Alex Bogomaz, Pastor of Voice of Hope, expressed his gratitude to Ukrainian FCU for helping 11 families that needed financial support to attend the camp. Campers participated in a variety of activities including a talent show, night of songs, a talk show, a kids master chef competition, a very blessed prayer night, and many other games for children.

Hosted Consul General of Ukraine in New York Our Rochester, NY and Boston, MA branches hosted multiple visits by the Consul General of Ukraine in New York, Oleksii Holubov, in order to help members of our communities with items related to notarization of documents, citizenship, obtaining documents from Ukraine, and visa questions.

Collected Supplies for Hospitals in Ukraine Our common bond organizations with support from our branches in Portland, OR, Vancouver, WA, and Syracuse, NY, successfully collected and delivered medical supplies and non-perishable items intended for children, families, and others impacted by the ongoing war in Ukraine. 7


Celebrating in

The Syracuse branch formally celebrated its 50th Anniversary on Sunday, September 30, 2018 to first and foremost acknowledge and thank members and common bond organizations that make up the Syracuse community. The Syracuse branch has a long history of growth and service to its members, and we’re grateful to share in the moment with all those who attended the dinner event. The evening was filled with many happy greetings, music, food, and entertainment. As of March 2018 the Syracuse Branch had 2,410 members, with savings of $29.5 million and loans $10.5 million. We thank the Syracuse Branch staff for their many years of service and wish the Syracuse community many more years of success, health, and prosperity. Syracuse is one of 11 UFCU branches from coast to coast and was originally founded in 1968. 8

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Helpful Hints

Thinking about buying a home? Being prepared will save you time. What Documents Are Required When Applying for a Mortgage? Verification of employment and income for each borrower: q Pay stubs (most recent 30 days) from each

current employer q Tax returns for the last 2 years (including W2s, 1099s and/or K1) q If you are retired and/or receive Social Security or pension income: benefit award letters q Other documents based on the source of your income (if applicable)

If self-employed: q Tax returns for the last two years (with schedules) q Year-to-Date Profit and Loss Statement q If you own rental property, current rental agreements

Перевірка місця працевлаштування та доходів для кожного позичальника: q Копії чеків заробітної плати від кожного роботодавця (за останні 30 днів)

qП одаткові декларації за останні 2 роки (включаючи W2, 1099 та/або K1)

qЯ кщо Ви вийшли на пенсію та/або отримуєте соціальне страхування: офіційні листи про отримання пенсії/допомоги. q І нші документи про основні джерела Ваших доходів (якщо відноситься до Вас)

Якщо Ви маєте власний бізнес чи підприємство: q Податкові декларації (особисті та бізнесові) за останні 2 роки (з усіма додатками)

qЗ віт про прибутки-витрати Вашого бізнесу від

Verification of funds needed for approval and closing: q Complete account statements for the past two months q Contract or listing agreement for the sale of your current home q Evidence of gifts from family members that will be used to cover your costs

початку цього року до теперішнього часу

qЯ кщо у вас є нерухомiсть, яку ви орендуєте, копії договорів про оренду

Перевірка наявності коштів, необхідних для ухвалення та завершеня/закриття іпотеки: q Виписки/ звіти з усіх банквіських рахунків за останні два (2) місяці qО фіційний контракт купівлі/ продажу або документ про подання на продаж вашого теперішнього власного будинку (якщо відноситься до Вас) qП исьмові листи про грошові подарунки від членів Вашої сім’ї, які будуть використовуватися для покриття Ваших витрат (якщо відноситься до Вас)

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2018 Scholarships

Ukrainian FCU awarded a New York Credit Union Association scholarship for $1,000 to Martin Welych-Flanagan to help finance his college education. Thanks to 82 credit unions and nine chapters, the New York Credit Union Association has awarded $25,500 in scholarships to 27 bright, hardworking young credit union members. These students competed against more than 1,400 credit union members throughout the state and were chosen based on their outstanding academic performance, extracurricular activities, honors, community service and leadership. “We’re proud of Martin’s academic accomplishments, and so are his family and local community in Syracuse, NY,” said Tanya Dashkevich,

COO, Ukrainian FCU. “The credit union family is alive and well in NY state, and the NYCUA scholarship program is just one example of the people helping people philosophy.” In addition to the NYCUA statewide scholarship program, Ukrainian FCU together with the Ukrainian American Community Foundation offer undergraduate and graduate scholarship program opportunities each year to eligible student-members.

To learn more or to apply, please visit ukrainianfcu.org/about-us/scholarships The next Undergraduate Scholarship application deadline is Friday, January 4, 2019.

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LIMITED TIME ONLY!

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— 65TH ANNIVERSARY SPECIAL —

SHARE CERTIFICATE

.25%

APY*

FOR 5 YEARS

Why Choose a Share Certificate? Share Certificates make you money by offering higher dividends on funds you don’t need routine access to at a fixed rate for a fixed term.

The Benefit? Peace of Mind.

n You’ll earn the same rate throughout the term of the certificate,

guaranteed return regardless of the financial markets performance.

n Your funds are federally insured. n Offers you a safe option to to save for your important goals

like education or the purchase of a home.

Disclosure: *APY is Annual Percentage Yield. Minimum deposit $650. No rate adjustment on prior share certificates. Must be new money not previously deposited in any UFCU account. Fees may reduce earnings. There is a penalty to withdraw the money (principal) you deposited into your Certificate before it reaches the maturity date; you may withdraw the dividend earned at any time w/o penalties. Other rates and terms are available. Rates may change. UFCU reserves the right to terminate these offers at any time without any further notice. Membership subject to eligibility. Federally insured by NCUA.

International Collaboration

Moroz, President of All-Ukrainian Credit

We join in congratulating AUCUA once again

Union Association (AUCUA), and Max

for their accomplishment and exciting step

Nikishyn, Director at AUCUA. In true credit

for the credit union movement in Ukraine.

union fashion we shared ideas and learned a lot from one another. Mrs. Moroz and

In April 2018 UFCU managers from across all of our branches converged on Rochester, NY for a week full of activities, training, and planning.

Mr. Nikishyn also had the opportunity to visit some of our other branches, other

Photo L-R, 1st row: Tamara Denysenko, Wasyl Kornylo, Oleg Lebedko, Olga Moroz, Tanya Dashkevich, Roman Omecinskyj; 2nd row: Roman Martyniv, Maria Milazzo,

credit unions, and also the New York

Mikhail Tkach, Inessa Koval, Roman Kshysyak,

Credit Union Association in Albany, NY. In

Sophia Kenn, Oksana Pierce, Luba Stefantsiv,

November 2018 AUCUA announced that We were also fortunate to welcome two

they officially became members of the

very special guests from Ukraine: Olga

World Council of Credit Unions.

Oleksandr Moskal, Max Nikishyn, Nadia Hayduke, Kelly Nield

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клуб Рукавичка

Club

Open a Mitten Club Savings Account for your child or grandchild & we’ll make a

10 gift deposit!

$

Alexis Goncharov

Elvera Goncharov

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Genevieve Guy

Jennifer Goncharov Jessica Goncharov

Theodore Pleune

Lily Khomitskaya

Levko Oryshkevych Daniella Rose Marchak

Mark Tsygyrlash Michele Tsygyrlash

Maksym Shevchuk

Sofiya Shevchuk

Vladyslav Vadyuk

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Dr. Natalie A. Dabrowny NUCCA Chiropractor 2322 Clover Street | Rochester, NY 14618 P: (585) 442 - 1500 | www.myatlaschiro.com Call today for a complimentary consultation or sign up online!

Ask me about the 100% Money Back Guarantee!

ALEXANDRA VYSOCHAN Licensed Real Estate Salesperson

33 South Main Street • Pittsford, NY 14534 Cell: 585.330.8407 Office: 585.389.4041 • Fax: 585.586.4599 alexandravysochan@howardhanna.com HowardHanna.com

Excellence Integrity Trust

Viktoria Malyk Licensed Real Estate Broker/Owner

585-506-7060

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viktoriamalyk@gmail.com

Dr. Natalie A. Dabrowny NUCCA Chiropractor 2322 Clover Street | Rochester, NY 14618 Dr. Natalie Dabrowny Dr.A. Natalie A. Dabrowny P: (585) 442 | www.myatlaschiro.com - 1500 NUCCA Chiropractor NUCCA Chiropractor Call today for a complimentary 2322consultation Clover NY 14618NY 14618 2322Street Clover Street Rochester, or| Rochester, sign up| online! P: (585) 442 1500 | www.myatlaschiro.com P:- (585) 442 1500 | www.myatlaschiro.com Call today fortoday a complimentary Call for a complimentary consultation sign up Dr.or Natalie A. Dabrowny consultation oronline! sign up online! Chiropractor Dr. Natalie A.NUCCA Dabrowny 2322Chiropractor Clover Street | Rochester, NY 14618 NUCCA www.ukrainianfcu.org P: (585) Dr. Natalie A. Dabrowny - 1500 | www.myatlaschiro.com 2322 Clover Street | 442 Rochester, NY 14618 NUCCA Chiropractor

Yuliana Yurkevich Agency Owner Allstate Insurance Company Rochester, NY 14625 Phone 585-426-0550/Fax 585-426-0552 yyurkevich@allstate.com

Personalized service. Trusted advice.


Natalie A. Dabrowny Dr. Natalie A.Dr. Dabrowny NUCCA Chiropractor NUCCA Chiropractor 2322 Clover Street | Rochester, NY 14618 2322 Clover Street | Rochester, NY 14618 P: (585) 442 1500 | www.myatlaschiro.com P: (585) 442-1500 |- www.myatlaschiro.com Call today for a complimentary Call today for a complimentary consultation or sign up online! consultation or sign up online!

Want to advertise your business here? Contact us at (877) 968-7828 x1122 or e-mail marketing@ukrainianfcu.org Ukrainian FCU does not examine, determine, or warrant the competence of any business or individual listed in this business directory. It is your responsibility to obtain references and check professional licensing prior to doing business with any of these entities/individuals.

NOTICE

Dr. Natalie A. Dabrowny NUCCA Chiropractor 2322 Clover Street | Rochester, NY 14618 P: (585)NY 442 1500 | www.myatlaschiro.com Sunday April 7, 2019, 12:30pm | Slavic Pentecostal Church, 4925 W Ridge Rd, Spencerport, - 14559 Call today for a complimentary consultation or sign up online! The election of directors to the board will take place in compliance with NCUA bylaws Article V, Section A4. The Chairman of the Board of Directors Dr.committee. Natalie A. Dabrowny has appointed a nominating There are three (3) vacancies for the board of directors, which must be filled for 2019. The nominating NUCCA Chiropractor committee will nominate one member for each vacancy. These nominations will be filed with the Secretary of the credit union. Nominations will 2322 Clover Street | Rochester, NY 14618 also be accepted by petition signed by one percent (1%) of the membership, or two hundred thirteen (213) members. To be effective, the petition P: (585) 442 - 1500 | www.myatlaschiro.com has to be accompanied by Call a statement today forof a qualifications, complimentarybiographical data, photograph and a signed certificate from the nominees stating that they consultation or sign are agreeable to the nomination and will serveupif online! elected to office.

2019 Annual Member Meeting and Election of Ukrainian FCU Board of Directors

The closing date for receiving any nominations by petition is Tuesday, February 26, 2019. Nominations must be filed with the Secretary of the credit union, Richard Harris, at 824 Ridge Rd. E., Rochester, NY 14621. Nominations will be posted in each credit union office thirty-five (35) days prior to the annual meeting. Elections will not be conducted by mail ballot and there will be no nominations from the floor if only one nominee for each position was submitted. In the event there is more than one nominee for any position to be filled, voting instructions will be provided to all members eligible to vote. Nominating committee: Wolodymyr Pylyshenko, George Hajduczok, Yaroslav Mazur. 15


PRST STD US POSTAGE

PAID

824 East Ridge Rd. Rochester, NY 14621

Rochester, N.Y. Permit No. 402

CELEBRATING 65 YEARS

Branch Locations Rochester, NY Main Office

824 East Ridge Rd Rochester, NY 14621 585-544-9518

Amherst, NY

2882 Niagara Falls Blvd Amherst, NY 14228 716-799-8385

Boston, MA

282 Providence Hwy Westwood, MA 02090 781-493-6733

Buffalo, NY

Portland, OR

Vancouver, WA

Federal Way, WA

Sacramento, CA

Webster, NY

Parma, OH Osnova Branch

Syracuse, NY

562 Genesee St Buffalo, NY 14204 716-847-6655

1414 S 324th St Ste B108 Federal Way, WA 98003 253-237-5293

5602 State Rd Parma, OH 44134 440-842-5888

11050 SE Powell Blvd Portland, OR 97266 503-774-1444

6029 San Juan Ave Citrus Heights, CA 95610 916-721-1188

11208 NE Fourth Plain Blvd Vancouver, WA 98662 360-597-2096

900 Holt Rd Webster, NY 585-545-6276

211 Tompkins St Syracuse, NY 13204 315-471-4074

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DUMKA 236 OPINION MAGAZINE - Winter 2018 by Ukrainian Federal Credit Union - Issuu