"Winter is coming." That is a motto that a friend and mentor of mine used as a way of challenging me to always think ahead. In its simplicity it has proven to be sound advice over the years. As I work closely with the team at MMFCU I am proud of the great job they do "preparing for winter." It is obvious that you, our member owners, have many options and nearly unlimited choices when it comes to financial solutions. We are honored and proud that more than 60,000 of you have placed your trust in us. From those of you who depend on our 13 branch locations to those relying on robust digital services, Mid Minnesota Federal Credit Union is positioned to provide resources to improve your financial well-being. It is a true source of pride for us. Looking toward the "coming winter" we are considering factors such as impact of higher interest rates, and the impacts of cost-of-living increases. We think about how banking services and financial institutions are changed by the migration to remote workers. One common thread through each of these issues is the need for fast, and convenient access to your credit union. Our goal is to balance our service and support with necessary fraud protection and security through each delivery channel. Throughout this year several changes and enhancements have been implemented across the business. Digital banking upgrades, mortgage application processes and enhanced business lending capabilities are just a few of the things we've worked on preparing for Winter. We'll do our best to keep the sidewalks clear for you! Bob Gerads President/CEO Read the Fall 2023 edition of InTouch here.