unitedin purpose - keesler federal credit union
TRANSCRIPT
Federally Insured by NCUA
UnitedPurpose
2 0 2 0 A N N U A L R E P O R T
in
Keesler Federal Purpose . . . . . . . . . . . . . . . . . . . . . . . 2
Message from the Board . . . . . . . . . . . . . . . . . . . . 4-5
Supervisory Committee Report . . . . . . . . . . . . . . . . .6
2020 Annual Meeting Minutes . . . . . . . . . . . . . . . . . . 7
2021 Annual Meeting Agenda . . . . . . . . . . . . . . . . . . . 7
Financial Statements . . . . . . . . . . . . . . . . . . . . . . . 8-9
Locations Map . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10-11
Locations Listing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Table of Contents
January: Gulfport Drive-Thru Branch Celebration • Metairie Branch Opening
Delivering extraordinary experiences and results for our
members, communities and one another.
Our MissionBe Extraordinary
February: Biloxi Boat Show 1
Keesler Federal Purpose
To Build a Better Community
One MemberOne Relationship
One Financial SolutionAt a Time
March: Lisa J. Stubbs Scholarship Contest • CASA Blues Jackson County • Shred Day in Jackson2
Common Purpose. Uncommon Unity.Keesler Federal’s members and team come from all walks
of life. We have diverse points of view and unique experiences that inform and enrich us all. By coming together to fulfill a common purpose, we achieve an uncommon level of unity that strengthens and sustains us, especially in challenging times.
Growing with PurposePurposeful growth requires a clear vision for the future. Each step forward is made to better serve our members, because when they succeed, we succeed. Growth is not limited to geographic expansion. We also grow by developing and refining our scope of service through improved technology, new benefits and more competitive products that help people attain goals that are important to them.
Giving Back with Purpose At Keesler Federal, being part of our members’ lives, as well as the communities we serve and call home, is a privilege. We express our gratitude by continually seeking opportunities to give back in ways both big and small. This commitment to improving the lives of all members and contributing to communities so they may thrive and prosper, builds upon an enduring legacy of people helping people.
Purposeful growth requires a clear vision
for the future. Each step forward is made
to better serve our members, because
when they succeed, we succeed.
April: New Keesler Federal Everywhere Launch • Kasasa Checking Launch 3
The arrival of 2020 was accompanied by an optimism and sense of promise that comes with the start of a new
decade. Little did we know how quickly and profoundly our lives would be altered by the unprecedented effects of a global pandemic, widespread economic instability and increased social tension. As we reflect on the past 12 months, we acknowledge the losses and struggles experienced by far too many in our communities. However, we can also be strengthened by recognizing our collective resilience; the many ways in which we rose to the occasion, overcame challenges, created opportunities and continued moving forward. For Keesler Federal Credit Union, that resilience is a direct result of being united by our shared purpose: to build a better community, one member, one relationship, one financial solution at a time. This concept of a shared purpose is at the heart of the credit union movement’s financial cooperative model, and it inspires us to work together for the common good.
As COVID-19 escalated, the credit union’s first priority was ensuring your assets remained secure and accessible, while reassuring concerns by communicating frequently and transparently through the website, email, social media and advertising channels. Most importantly, the doors to our branches remained open to serve your needs by pivoting quickly and modifying operational procedures to meet state and federal guidelines for safety. To help members who were adversely affected by the pandemic, we offered many forms of financial assistance. In total, Keesler Federal deferred over $11.5 million in payments and waived $720,000 in fees for COVID relief.
We are especially pleased to report that despite these unforeseen challenges, business continued to grow. By remaining agile and embracing technology, your credit union continued granting loans, adding members and new accounts, while launching new products and services. The addition of
Message fromthe Board
KASASA checking, as well as new online and mobile banking platforms, were all ways to expand the extraordinary service you deserve. In 2020, over 21 thousand new members joined the Keesler Federal family, bringing us to a total of 269,006 members worldwide. Total assets increased 22% to over $3.7 billion. The sixth Louisiana branch opened in Metairie, resulting in a total of 40 branches across our geographic footprint. Keesler Federal granted over $1.3 billion in loans so members could buy, build or renovate homes, purchase vehicles and achieve other important goals. We continued to outperform competitors by offering consistently higher yields on savings products and lower interest rates for loans and credit cards. According to the independent research firm Datatrac, Keesler Federal members saved over $57 million overall when compared to other local financial institutions. Last year, total dividends paid to members equaled $28,235,352, an increase of nearly $4.7 million over 2019. Additionally, Keesler Federal awarded nearly $100,000 in prizes through the monthly Member Giveback program. Keesler Federal members also enjoyed over $60,000
May: Relay for Life Virtual Walk4
James Hollingsworth Chairman
David FordDirector
Jamie PerronneVice Chairman
Cynthia ChildersTreasurer
Josie KingSecretary
Richard MossDirector
in discounted ticket fees through the credit union’s partnership with the new Mississippi Aquarium. Providing members with sound financial products, better value and innovative technologies that make banking easier not only improves their lives, but also contributes to building greater prosperity within the community.
Due to safety concerns, some events were postponed and held at a later date, including the 2020 Annual Membership Meeting, which was hosted live as a virtual, online event in October. The Eagles Under the Oaks golf tournament was moved to September 11, raising over $30,000 for Combat Wounded Veterans of South Mississippi. The First Responders of the Year event was converted from a single, large gathering to individual awards presentations at each winner’s duty station and the program itself was expanded to include more locations. In Louisiana, branches and members teamed up for the Grub for Good campaign, resulting in monetary donations and over 1,400 pounds of non-perishable food items for Second Harvest food bank. Other popular initiatives such as Backpacks for Bright Futures and
the Bit of Joy holiday gift card program also gave the Keesler Federal team an opportunity to make a meaningful difference within their communities. In all, Keesler Federal funded or raised over $500,000 in donations and sponsorships for community-focused initiatives.
As you can see, even during a year of unprecedented change and challenges, Keesler Federal Credit Union stood strong and unwavering in its commitment to you. We believe it was important to provide what people needed most in a chaotic time: stability, reassurance, connection, familiarity and safety. We are honored to be here for you, not just in good times, but also difficult ones. And we are grateful for your continued loyalty and trust, which allow us to continue fulfilling our purpose not only to our membership but also the community at large. It is our sincere wish that 2021 will be remembered as year of renewal, hope and greater opportunities for all.
Melanie WilliamsDirector
June: Keesler Financial Group - Online Retirement Seminar 5
SupervisoryCommittee
ReportMike LadnerChairman
The Supervisory Committee is created by law and appointed by your Board of Directors to independently represent all
members. We evaluate Keesler Federal Credit Union’s activities and operations to ensure soundness, compliance, reliability, and determine the adequacy of our internal controls. Our duties also include ensuring the performance of a comprehensive annual audit, administering Board of Directors elections, independently verifying member accounts, and objectively investigating formal complaints. Your Committee is currently composed of volunteers with career backgrounds in accounting, communications, planning and administration, training and education, and information technology.
To maintain these high standards and fulfill our financial and regulatory compliance responsibilities, we meet and regularly interact with Keesler Federal Credit Union’s Board of Directors, senior management team, and the Credit Union’s internal auditors.
To fulfill our audit responsibilities for 2020, we hired the accounting firm Doeren Mayhew, CPAs and Advisors, to conduct an independent,
Robert LandryMember
Allan L. MickschMember
Gregory ToddMember
Jim MitchellMember
in-depth audit of Keesler Federal Credit Union’s operations and issue a report of their findings. We’re proud to announce their December 31, 2019 report showed the financial statements fairly represent the financial position of Keesler Federal and conform with Generally Accepted Accounting Principles of the United States of America.
The National Credit Union Administration (NCUA), the regulatory agency for all federal charter credit unions, perform periodic supervisory examinations. As of December 31, 2019, their last examination results confirmed that Keesler Federal Credit Union continues to be financially sound.
After reviewing the results of these audits and examinations, our Supervisory Committee can confidently report that Keesler Federal continues to be financially strong and well managed with sound policies and programs. Keesler Federal complies with the Credit Union’s bylaws, Mississippi state laws relating to credit unions, and applicable federal laws and regulations.
Respectfully,Mike Ladner, Chairman, Supervisory Committee
July: Shred Day at Seaway • Backpacks for Bright Futures6
2021Annual
MeetingAgenda
1. Meeting called to order
2. Ascertainment of quorum
3. Minutes of last meeting
4. Report of Board of Directors
• James Hollingsworth, Chairman
5. Report of Supervisory Committee
• James Hollingsworth, on behalf of the Supervisory Committee
6. Report of Treasurer
• James Hollingsworth, Chairman
7. Unfinished business
8. New business
9. Election
• James Hollingsworth speaks for Nominating Committee
10. Awarding of prizes
11. Adjournment
2020 Meeting Minutes 1. The 72nd Annual Meeting of Keesler Federal Credit Union was called to order through a virtual
online event, by Chairman James Hollingsworth on October 15th, 2020.
2. Chairman Hollingsworth introduced the Board of Directors: James Hollingsworth, Chairman of the Board; Jamie Perronne, Vice Chairman; Cindy Childers, Treasurer; Josie King, Secretary; Richard Moss, Director; David Ford, Director; Melanie Williamson, Director.
3. Chairman Hollingsworth reported a quorum was present.
4. Diane Brunet made a motion to accept the minutes as they appeared in the printed Annual Report for 2019; seconded by Debra Allgood; motion carried.
5. Chairman Hollingsworth presented the 71st Annual Report of the Board of Directors. A motion to accept the report was made by Debra Allgood; seconded by Jackie Salsman; motion carried.
6. James Hollingsworth presented the Supervisory Committee’s Report. He introduced the members of the Supervisory Committee: Robert Landry, Chairman; Jim Mitchell, Member; Greg Todd, Member; Allan Micksch, Member; Mike Ladner, Member. A motion was made by Jackie Salsman to accept the Supervisory Committee’s Report; seconded by Walt Hack; motion carried.
7. James Hollingsworth presented the Treasurer’s Report and Loan Statistics. A motion was made by Walt Hack to accept the Treasurer’s Report; seconded by Donald Webster; motion carried.
8. Chairman Hollingsworth stated there is no unfinished business from the 71st Annual Meeting of 2019.
9. Chairman Hollingsworth stated that any new business was to be submitted by email no later than October 6th and would be addressed and available to view on the website.
10. Jamie Perronne, Chairman of the Nominating Committee, introduced the Nominating Committee: Mr. David Ford and Mr. Curtis Greer. Mrs. Perronne presented the report of the Nominating Committee. There were no nominations by petition. A motion was made by Donald Webster that the nominees, James Hollingsworth and Josie King for the Board of Directors be elected by acclamation; seconded by Louise Webster; motion carried.
11. The drawing of door prizes was conducted by the Chairman.
12. Louise Webster made a motion to adjourn the meeting; seconded by Diane Brunet; motion carried. There being no further business to come before the meeting, it was adjourned.
August: Shred Day at Petal 7
Statementsof Financial Condition
Total Assets
Total Deposits
Total Loans
ASSETS 2020 2019 ChangeCash $ 422,911,958 $ 177,622,181 $ 245,289,777 Accounts Receivable 3,592,984 5,737,392 (2,144,408) Investments: Available-for-Sale 162,443,507 157,377,847 5,065,660 Other 383,726,492 213,626,519 170,099,973 Loans Held for Sale - - - Loans (Net of Allowance for Loan Losses) 2,646,006,174 2,390,862,368 255,143,806 Accrued Interest Receivable: Investments 1,570,867 744,855 826,012 Loans 6,772,371 6,116,690 655,681 Prepaid & Other Assets 11,800,987 10,640,719 1,160,268 Other Real Estate Owned (OREO) 110,500 155,146 (44,646)Fixed Assets 52,027,954 52,618,088 (590,134) NCUSIF Deposit 27,662,291 23,276,974 4,385,317
Total Assets $ 3,718,626,085 $ 3,038,778,779 $ 679,847,306
LIABILITIES AND MEMBERS’ EQUITYLiabilities: 2020 2019 ChangeMembers’ Share and Savings Accounts $ 3,229,446,229 $ 2,577,367,483 $ 652,078,746 Dividends Payable 1,354,610 1,142,107 212,503 Accounts Payable 21,923,277 20,942,393 980,884 Other Liabilities 19,420,802 14,167,350 5,253,452
Total Liabilities $ 3,272,144,918 $ 2,613,619,333 $ 658,525,585 Members’ Equity:Regular Reserves $ 14,634,751 $ 14,634,751 $ - Undivided Earnings 443,738,741 425,693,090 18,045,651 Accumulated Other Comprehensive Loss (11,892,325) (15,168,395) 3,276,070
Total Members’ Equity $ 446,481,167 $ 425,159,446 $ 21,321,721
Total Liabilities and Members’ Equity $ 3,718,626,085 $ 3,038,778,779 $ 679,847,306
$2,218,206,353
$2,347,904,932
$2,470,586,116
$2,572,628,320
$2,734,647,835
$3,038,778,779
$3,718,626,085
2014
2015
2016
2017
2018
2019
2020
$1,900,445,989
$2,008,307,950
$2,106,139,689
$2,171,768,918
$2,311,901,194
$2,577,367,483
$3,229,446,229
2014
2015
2016
2017
2018
2019
2020
$1,125,682,034
$1,248,778,236
$1,416,791,759
$1,675,119,291
$2,077,649,881
$2,390,862,368
$2,646,006,174
2014
2015
2016
2017
2018
2019
2020
September: Shred Day at Gautier and Covington • Eagles Under the Oaks • Gulf Coast Heart Walk8
Statementsof Income New Loans
for 2020
StatisticalInformation
INTEREST INCOME: 2020 2019 ChangeLoans to Members $ 110,020,460 $ 102,424,728 $ 7,595,732 Investments 15,553,179 14,277,961 1,275,218
Total Interest Income $ 125,573,639 $ 116,702,689 $ 8,870,950
INTEREST EXPENSE:Interest on Borrowed Money $ 19 $ 425,461 $ (425,442)Members’ Share and Savings Accounts 28,235,352 23,537,099 4,698,253
Net Interest Income $ 97,338,268 $ 92,740,129 $ 4,598,139
Provision for Loan Losses $ 7,965,950 $ 13,221,637 $ (5,255,687)
(Net Interest Income After Provision for Loan Losses) $ 89,372,318 $ 79,518,492 $ 9,853,826
NON-INTEREST INCOME:Miscellaneous Operating Income $ 28,306,182 $ 24,027,143 $ 4,279,039 Fees and Service Charges 19,208,061 21,719,159 (2,511,098)
Total Non-Interest Income $ 47,514,243 $ 45,746,302 $ 1,767,941
TOTAL INCOME $ 136,886,561 $ 125,264,794 $ 11,621,767
NON-INTEREST EXPENSE:Compensation and Employee Benefits $ 53,236,598 $ 45,712,433 $ 7,524,165 Office Operating Costs 35,921,824 30,403,787 5,518,037 Other Expenses 21,210,081 18,340,556 2,869,525
Total Non-Interest Expense $ 110,368,503 $ 94,456,776 $ 15,911,727
Non-Operating Gains / (Losses) (10,416,502) (201,794) (10,214,708)
NET INCOME $ 16,101,556 $ 30,606,224 $ (14,504,668)
2020 2019 Change
Number of Members269,006 247,830 21,176
Number of Loans Made for Year41,364 44,571 (3,207)
Dollar Amount of Loans Made for Year$ 1,302,511,284 $ 1,215,987,983 $ 86,523,301
Dividends Paid $ 28,235,352 $ 23,537,099 $ 4,698,253
Loan Type Number AmountSignature Loans 7,772 $ 53,333,387 Kreditline 107 229,325 Direct Auto New 5,422 181,604,956 Direct Auto Used 8,530 169,756,739 Indirect Auto New 5,494 190,881,368 Indirect Auto Used 2,303 56,481,781 Boats, Campers, & R.V.’s 1,337 32,174,102 Indirect Merchant Loans 81 2,215,095 Credit Card 5,032 196,913,303 First Mortgage Loans 2,026 361,317,567 Home Equity Loans & Lines of Credit 193 6,896,619Business Loans 137 31,622,197 Share Secured Loans 2,554 14,138,477 All Other Loans 376 4,946,368
New Loans 41,364 $ 1,302,511,284 Disbursed
October: Grub for Good Louisiana • First Responder Awards • Virtual Annual Membership Meeting 9
Vancleave
Mobile
OceanSprings Pascagoula
Picayune
Bay St. Louis
Waveland
Long Beach
Gulfport
D’Iberville
Gautier
Stennis Space Center
KAFB
Wiggins
Mississippi
Alabama
Louisiana
Diamondhead
Slidell
Hattiesburg
Jackson
Ridgeland
Madison
Petal
Biloxi
Mandeville
New Orleans
Metairie
Covington
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U.S. Locations
November: Heart Walk - Jackson, New Orleans, Hattiesburg • Making Strides New Orleans • Bit of Joy Gift Card10
Vancleave
Mobile
OceanSprings Pascagoula
Picayune
Bay St. Louis
Waveland
Long Beach
Gulfport
D’Iberville
Gautier
Stennis Space Center
KAFB
Wiggins
Mississippi
Alabama
Louisiana
Diamondhead
Slidell
Hattiesburg
Jackson
Ridgeland
Madison
Petal
Biloxi
Mandeville
New Orleans
Metairie
Covington
10
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Vancleave
Mobile
OceanSprings Pascagoula
Picayune
Bay St. Louis
Waveland
Long Beach
Gulfport
D’Iberville
Gautier
Stennis Space Center
KAFB
Wiggins
Mississippi
Alabama
Louisiana
Diamondhead
Slidell
Hattiesburg
Jackson
Ridgeland
Madison
Petal
Biloxi
Mandeville
New Orleans
Metairie
Covington
10
10
10
49
90
90
90
10
90603
43
57
49
67
110
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December: CASA Toy Drive 11
Locations1. BAY-WAVELAND 481 Highway 90 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Drive-up ATM
2. BILOXI KEESLER AFB 600 Larcher Blvd Mon-Fri 8:00-4:00 Walk-up & Drive-up ATMs
3. KEESLER AFB – TRIANGLE 107 Galaxy Street, Building #7503 Mon-Fri 3:00-6:00 Sat 10:00-1:00 Walk-up ATM
4. BILOXI – PASS ROAD 2602 Pass Road Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up & Drive-up ATMs
5. DIAMONDHEAD 4402 East Aloha Drive Suite 3-4 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
6. D’IBERVILLE – AUTOMALL 10521 Auto Mall Parkway Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Drive-up ATM
7. D’IBERVILLE – LAKEVIEW 11505 Cinema Drive, Suite 1 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Drive-up ATM
8. GAUTIER 3501 Dolphin Drive Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up & Drive-up ATMs
9. GULFPORT – DOWNTOWN
2505 14th Street, Suite 100 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Walk-up ATM
10. GULFPORT – DRIVE-THRU
2720 25th Ave. Mon-Thu: 9:00-5:00 Fri: 9-5:30 Sat: 9:00-1:00
11. GULFPORT – ORANGE GROVE 12240 Highway 49 North Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 In-branch & Drive-up ATM
12. GULFPORT – SEAWAY 13083 Seaway Road Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Drive-up ATM
13. LONG BEACH 524 Klondyke Road Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up & Drive-up ATMs
14. OCEAN SPRINGS 2420 Bienville Boulevard Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up & Drive-up ATMs
15. PASCAGOULA 1509 Telephone Road Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Drive-up ATM
16. PICAYUNE 2270 Highway 43 South Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up & Drive-up ATMs
17. ST. MARTIN 6835 Washington Ave. Suite K Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up & Drive-up ATMs
18. STENNIS SPACE CENTER 1 Stennis Space Center Bldg 1100 Mon-Fri 8:00-4:00 Walk-up ATM
19. VANCLEAVE 11621 Highway 57 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
Coastal Mississippi
20. FLOWOOD – LAKELAND COMMONS 389 Ridge Way Building K/#3 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
21. JACKSON – JUNCTION 6351 I-55 North, Suite 151 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
22. JACKSON – MDOT 401 North West Street Mon-Fri 8:00-4:00 Walk-up ATM
23. RIDGELAND - LAKE HARBOUR 733 Lake Harbour Drive, Suite F Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
24. MADISON – WELCH FARMS 1944 Main Street Mon-Thu: 9:00-5:00 Fri: 9:00-5:30p Sat: 9:00-1:00 Drive-up ATM, Drive-thru Teller
25. JACKSON – FARM BUREAU 1401 Livingston Lane Jackson, MS 39213 No Public Access
Jackson Metro
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30. COVINGTON 2101 N Highway 190 Suite 107 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
31. MANDEVILLE – BEAU CHÉNE 4250 Highway 22, Unit C Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
32. SLIDELL 1338 Gause Boulevard Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
33. SLIDELL – CROSSGATES 2925 East Gause Boulevard Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up & Drive-up ATMs
36. MOBILE WESTWOOD PLAZA 7765 Airport Blvd. Suite 201 Mon-Thu: 9:00-5:00 Fri: 9am-5:30 Sat: 9am-1:00 Walk-up ATM, Notary services,
Signature Guarantee 37. MOBILE – MIDTOWN 100 North Florida Street Suite E-4 Mon-Thu: 9:00-5:00 Fri: 9:00-5:30 Sat: 9:00-1:00 Walk-up and Drive-up ATM,
Notary services, Signature Guarantee
} RAF ALCONBURY Building 582 Wed-Fri 10:30-3:30 Walk-up ATM U.K. 01480 411255
} RAF LAKENHEATH Building 987 Mon-Fri 8:30-4:00 Sat 9:00-12:30 ATMs at BX, Shoppette Commissary U.K. 01638 533268 U.K. 0-800-585-765
26. HATTIESBURG – TURTLE CREEK 6175 US 98, Suite 20 Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Walk-up ATM
27. HATTIESBURG – WESLEY 201 Methodist Boulevard Mon-Thu 9:00-5:00 Mon-Fri 9:00-5:30
28. PETAL - Evelyn Gandy 1119 Evelyn Gandy Pkwy Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Drive-up ATM
29. WIGGINS 1080 West Frontage Road Mon-Thu 9:00-5:00 Fri 9:00-5:30 Sat 9:00-1:00 Drive-up ATM
Hattiesburg Louisiana
United Kingdom
Alabama34. NEW ORLEANS – MID-CITY 3700 Orleans Ave, Suite 107 Mon-Thu: 9:00-5:00 Fri: 9:00-5:30 Sat: 9:00-1:00 Walk-up ATM
35. METAIRIE LAKESIDE 2949 Veteran Memorial Blvd. Suite A2 Mon-Thu: 9:00-5:00 Fri: 9:00a-5:30 Sat: 9:00-1:00 Walk-up ATM
} RAF MILDENHALL Building 131 Mon-Fri 8:30-4:00 Walk-up ATM, Galaxy Club U.S. 1-888-KEESLER (533-7537) U.K. 01638 515717
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