Slide Show: The Daily Duties of a Home-Based CU Manager

Walk in Jonelle McMillen's shoes as she interacts with directors and members.

July 18, 2014

Jonelle McMillen desk

For the last 13 years, Jonelle McMillen has managed Beaver Falls (Pa.) Teachers Federal Credit Union from her home. The credit union is one of 74 nationally that would have to move into commercial spaces within two years should an NCUA proposed rule pass in its current form.

McMillen, a retired schoolteacher who became involved with the credit union in 1971 as a board member, knows all of the 516 members personally. Because casual conversations customarily accompany transactions, she experiences many of their triumphs and tribulations, from weddings and vacations to funerals for members’ children.

McMillen is far from stationary; she makes regular visits to the school district’s four schools to meet with members. She has been known to meet with them at high-school football and basketball games, and even the mall. “I have been referred to as the credit union on wheels,” McMillen says.

Scroll through these photos to get a feel for McMillen's day-to-day responsibilities.

What does the future hold for home-based CUs? Learn more here.



Jonelle McMillen outside

Debbie Paparella, a member of Beaver Falls Teachers Federal, receives a check from manager and treasurer Jonelle McMillen, who operates the credit union from her home.



Jonelle McMillen file cabinet

Board members John Sokol and Maralee Murray check some records with Beaver Falls Teachers Federal manager and treasurer Jonelle McMillen in her home office.



Jonelle McMillen credit committee

Jonelle McMillen (center) meets with assistant managers Richard “Pete” Kinkead and Denise Godwin in her home, which serves as the office for Beaver Falls Teachers Federal.



Jonelle McMillen working

Denise Godwin (left) assists McMillen one evening a week.



Jonelle McMillen senior HS

McMillen meets with Beaver Falls Teachers Federal member Ryan Matsook, dean of students at the senior high school, as part of her weekly circuit of district schools and offices.



Jonelle McMillen middle school

McMillen meets with Beaver Falls Teachers Federal member Tom House, principal of the city's middle school, as part of her weekly circuit of district schools and offices.



Jonelle McMillen classroom delivery

McMillen drops off a check to middle school English teacher Josh Ginther in his classroom as part of her regular rounds of district schools and offices.

McMillen was Ginther's instructor in a class at Geneva College, where she taught after a long career in the Beaver Falls school district.



Jonelle McMillen elementary

McMillen meets with Beaver Falls (Pa.) Teachers Federal member Donnie Hicks, dean of students at Central Elementary School, as part of her weekly circuit of district schools and offices.



Jonelle McMillen meets member

McMillen meets with Beaver Falls Teachers Federal member Damon Turek at a local restaurant. A member since 1959, Turek was serving as a director when he convinced her to join the credit union's board in 1971.



Jonelle McMillen family

Beaver Falls Teachers Federal board member Maralee Murray (far right) meets with members George and Paulette Potter at a local restaurant to sign up their granddaughter, Mariah Potter, as a member. George joined the credit union in 1970 and Paulette joined in 1976.



Jonelle McMillen supervisory cmte

Beaver Falls Teachers Federal supervisory committee members Lynda Zelesnak (left) and Bettina Nero work after school on reports.

Zelesnak took high school calculus class from credit union manager/treasurer Jonelle McMillen, and now teaches math at the school.