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2018 Community Choice Annual Meeting

The Community Choice Credit Union Annual Meeting is scheduled for Saturday, March 3, 2018.

This year, the meeting will take place at the Hilton Garden Inn, located at 8600 Northpark Drive in Johnston. Registration begins at 8:30am. Breakfast will follow the meeting. Tickets will be available for sale at all Community Choice Credit Union branch locations starting on Saturday, February 17, 2018. The cost per ticket is $10 in advance and $20 at the door.

Voting requirements and eligibility:

  • A member shall have one vote. Jointly held ownership shares are entitled to one vote, and joint tenants shall not be permitted to cast more than one vote per ownership share jointly held.
  • Members shall not vote by proxy.
  • A member other than a natural person may cast a single vote through a delegated agent. (business accounts)
  • Members shall be at least 16 years of age by the date of the meeting in order to vote.


The following members are the candidates for the 2018 Board of Directors*
*Additional nominations will be taken from the floor at the annual meeting
Candidates placed in alphabetical order


Heather Davidson

Heather Davidson

State of Iowa

Heather has been a member of the credit union for 33 years as of March 13. She previously served as a member on the Community Choice Credit Union Board and has placed the interest of the members first and will continue to do so to serve credit union members financial needs.

Heather served as the Personnel Chair, Board Secretary, Credit committee chair, Audit committee, Nominating committee, Delinquent Loan committee and being a part of the Credit Union continued growth. She believes in the credit union and what it stands for. With your vote, she looks forward to helping to lead the credit union with continued long-term stable growth, and ensuring the credit union is there to support credit union members’ financial needs.

Heather has a Master’s Degree and a Bachelor’s from the University of Northern Iowa and has been employed with the State of Iowa for 33 years. She is a program manager and has experience working in Fiscal Management reviewing cost reports, contracts, a consultant to field staff and training staff. Her present job duties include developing Request for Proposals for contract services and writing service contracts, writing policy manual, and serving as a leader on various state and federal committees.

Heather volunteered at Hospice of Central Iowa for over 10 years. She joined the VFW auxiliary this year. She has two adult children who live in Minnesota. She is proud of my son Dan who has served the country as a Captain in Iraq and Afghanistan, and also proud of his son William who is in the army and will be going active duty to serve the country in Afghanistan this month.

“I thank you in advance for your support.”

Debra DeGraff

Debra DeGraff

US Attorney's Office

Deb is eager to serve the members of Community Choice Credit Union by joining the Board of Directors in 2017. Deb has served as an Associate Director with Community Choice for the previous eight months, learning and experiencing the current dynamics of the Board operations. Deb’s has experience and a background in both finance and law. She hopes to bring diversity and unique skills to the current Board. She is asking for your vote and the opportunity to serve you in the coming years.

Deb works for the United States Attorney’s Office as a paralegal and has done so for the past 33 years. She has experience in both the civil and criminal divisions. Her most recent position is a 50/50 split for both the local office and the Executive Office for U.S. Attorney’s. Her current role is as a Supervisory Paralegal/Program Manager in the Asset Recovery Unit and as a manager of several district nationwide.

Joel Gabrielson

Joel Gabrielson

State of Iowa Department of Revenue

Joel is employed by the Department of Revenue, Property Tax Division, LOCAL GOVERNMENT SERVICES program manager. He has participated as a member of the Credit Union for twenty years and has serviced on the Board of Directors for 18 years.

Joel received a BS degree in Finance, Logistics, Management Info Systems, from Iowa State University. He is married to Kathy and they have four children and four grandchildren.

Joel is a member of the Story City Historical Society, participated in Drake Community Chorus, elected to Economic Development Board, member of STORY CITY LIONS, served as the National Chairman for the ESOP Association of America in Washington, DC for 14 years.

Joel was an elected Belmond City Councilman serving 20 years, a past Wright County Supervisor, and a small retail business owner for 25 years.

He feels his many experiences in government, private retail business ownership, and national association experiences helped develop his ability to be an active strategic planner, good listener, and interested in serving member concerns.

He is excited about the opportunities available to the Credit Union and its’ Member owners and participating in those developments. If you have a concern, or a question, or would like talk to about your ideas contact me, I am your eyes and ears on the board.

“I would appreciate your vote for the Community Choice Credit Union Board Position, thanks.”

Bruce Kempkes

Bruce Kempkes

Retired - Assistant Iowa Attorney General

Bruce has been a member of the Credit Union for 32 years. He and his wife Jill live in rural Earlham with their teenage son Graeme. Bruce earned a B.A. in Economics, magna cum laude, and received the Economics and Business Management Departmental Award from Central College in 1977. He earned his law degree, with honors, from the University of Iowa in 1980. While serving 30 years in the Department of Justice he provided legal advice to the State Treasurer and State Auditor on financial issues, authored several Attorney General Opinions on the proper investment and safety of public funds, and received training on fraud and financial crimes. His published legal writings include an article on the credit card industry. He has taught business law to college students and was a finalist for a Court of Appeals judgeship in 2006 and again in 2011. He currently serves as chair of the Madison County Conservation Board.

Bruce believes that the Credit Union benefits from having a lawyer on its Board who has a breadth of knowledge about law, business, and economics. For example, after the CIETC scandal in Des Moines, Bruce proposed and drafted an ethics policy that was adopted by the Board. That policy governs the conduct of directors as well as employees and helps ensure the integrity of the Credit Union’s assets and its members’ funds. Bruce also believes that the Credit Union must continue to improve in providing its members with prompt, courteous, and efficient service; offering competitive loan and dividend rates; and – most important – ensuring the safety of their hard-earned funds. If re-elected to the Board he would to act to further those goals, always adhering to the Credit Union philosophies of “People Helping People” and “Not For Profit, Not For Charity, But For Service.”

Kathleen Martinsen

Kathleen Martinsen

Retired - Mercy Medical Center, Customer Service

Kathleen retired from Mercy Hospital Medical Center in August 2017. She was the Manager in Customer Service and worked at Mercy for 31 years. Kathy went to Fort Dodge Community College and Iowa State University for business management. Kathleen previously served on the Des Moines Mercy Credit Union Board. She has 3 children and 8 grandchildren. Kathy enjoys volunteering for Habitat for Humanity and has served on various committees at her church.

She has been on the Community Choice Credit Union Board for the last 12 years and would like the opportunity to continue serving the members. Kathleen feels that Community Choice has done a good job in bringing in more services and products to the Credit Union.

Tom McEntee

Tom McEntee

EMC Insurance Companies

Tom has been employed by EMC Insurance Companies for over 42 years and is currently an Application Systems Manager for Claims & Financing Systems team in the IT Department. Tom began his career as a programmer on the automated homeowners system in 1975. As his career progressed he held several titles in the IT Department from Programmer Analyst up to Senior Systems Analyst before being promoted to Manager of the team in 1987. As manager he has overseen work on the companies Homeowners and Auto policy processing systems. Current systems under his responsibility are EMC’s Claims system, Personal and Commercial billing systems, various cash sub systems and all EMC’s company accounting systems. In addition for being responsible for the above systems, Tom also has under his responsibility the Claims and Policy systems help desks. Tom over sees a staff of 38 team members.

Tom was a member of EMC’s Credit Union for over 35 years before the merger with Community Choice Credit Union in the spring of 2017. As a member of EMC’s Credit Union he served on their Board of Directors from 2011 to 2017 holding positions of Secretary, Membership Officer and Vice President. He is seeking an additional term so he can use the experience he has obtained to help Community Choice Credit Union grow in the coming years.

Tom has an outstanding record of working with individuals to get work accomplished. Tom has severed on the St. Boniface Parish Council in the late 1990’s and early 2000’s holding positions of Secretary, Vice President and President. During his tenure on the board a new church was built. Tom volunteered his time to serve on several fund raising campaigns for St. Boniface. From 2006 to 2011 he served as Chairperson of the YMCA Parent Swim Team Committee. Under his leadership this committee was in charge of setting up all home swim meets at the Waukee YMCA. He obtained a Level II Swim Team official designation which allowed him to officiate YMCA home swim meets. Tom also volunteered his time to officiate regional and state YMCA swim meets. He is a regular blood donor and is a member of the 5 gallon club.

Emily Osweiler

Emily Osweiler

YMCA of Greater Des Moines, Supportive Housing Campus

Emily is a young professional that has worked as an advocate for Central Iowa’s most vulnerable residents at the YMCA of Greater Des Moines for over 11 years. First, as a Case Manager, Emily worked one-on-one with people in desperate need of shelter and stability in their lives. Emily was then promoted to Residence Director for the YMCA where she managed the Y’s transitional housing as well as the case managers and other staff. When the YMCA decided to build the YMCA Supportive Housing Campus in downtown Des Moines, Emily was tapped to be its Executive Director. She was a leader in the project development and transition of residents and services from the Riverfront Y to the new facility. At the YMCA Supportive Housing Campus, Emily has worked tirelessly to create a community that provides hope, dignity and support to 140 residents that are either coming out of homelessness or at risk of being homeless. Emily’s role at the Y has made her a leader in the community when it comes to the fight to eliminate homelessness in the Des Moines area. Prior to working at the YMCA, Emily worked for the American Red Cross doing important work that included suicide prevention and being deployed to aid residents of Florida and Louisiana after Hurricanes Charley, Francis, Ivan, and Katrina.

Emily is an alumna of the Greater Des Moines Leadership Institute and has served on several boards and committees at her church including a search committee for a new pastor and as Chairperson for the Board of Christian Education. She is a Master’s level social worker. Emily has been a member of Community Choice Credit Union for approximately 20+ years.

Emily would be truly honored to use her leadership abilities and extensive knowledge of the community to serve on the Board of Directors at Community Choice Credit Union. As a social worker who believes in the power of community and people helping people, Emily believes in credit unions to be service driven non-profits who work hard to strengthen our community and she wants to be a part of CCCU’s leadership role in that arena.

Joe Yamen

Joe Yamen

Business Owner, Insurance Company and Realty Offices

Joe has been an owner of a personal lines insurance office affiliated with Shelter Insurance for 25 years. In addition to insurance, he is part owner of Keller Williams Realty franchise in West Des Moines, Ankeny and Ames covering central Iowa. Over the years he has started and sold 3 other business. Joe is a true entrepreneur at heart. His background is in insurance working with small to large businesses along with individuals. He has been involved in the planning and implementation of many start up and ongoing business concerns.

Joe has been a member of Community Choice Credit Union for 4 years.

Joe has been married to Tiffan Yamen for nearly 24 years and they have 2 daughters ages 17 (Isabela) and 13 (Zoe).

Joe has been actively serving his community his entire working life. He served on the boards for Leukemia and Lymphoma Society, the national kidney foundation, 3 terms for Entrepreneurial Organization, Des Moines Golf and Country Club, and still an active volunteer at Drake University in the Business school as they need his help with activities.