CEO Message

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Michael Warrell
President and CEO

Happy New Year! As I look forward to a productive and fast-paced 2016, I wanted to take a moment to thank each of our members for helping to move our credit union forward and share some of our successes as well as coming products.

We had a tremendous year in 2015. Our total assets grew 10%, net loans grew 17%, shares grew 4%, official delinquency remained very low at 0.35%, and charge-offs were significantly below peer at 0.07%.


Our promise to you is simple: Superior Service. Unbeatable Price. Here are some examples of how we bring that promise to life.


Auto Beat: Our auto beat guarantee means we won't be beat on price, whether you are buying a new or used vehicle or would like to refinance your current auto loan. If we can't beat your rate we'll pay you $100! This is all part of our commitment to helping our members improve their financial lives.

FREE* ATMs: There are over 3.3 million ATMs worldwide and you have ACCESS to all of them! With Access Checking, any ATM is your ATM. Seriously. We'll refund your ATM fees at the end of each month -- up to $5 per transaction. So go on and free yourself from those pesky ATM fees. Apply for Access Checking today!

If you're up, we're open: Deposit checks, deposit cash, or get cash 24/7! We upgraded our ATM network to improve our members' convenience. Now you can bank on your time and deposit your checks or cash 24/7. Find a cash or check deposit ATM near you.


  • Increased new membership growth for first time in thirteen years
  • Our E-Branch handled over 21,000 member calls
  • We saved our members over $140,000 in interest changes with Auto Beat Program
  • We completed the installation of our 24/7 deposit ATMs
  • Completed move of our Vacaville retail branch location
  • Implemented iPads for Board and Supervisory volunteers "Go Green"
  • Created and maintain a new website and social media presents
  • Implemented mobile banking with 900 users already
  • Implemented electronic brochures
  • Implemented instant issue debit cards


Our focus is on service and convenience. To improve your service and convenience even more, below are just some of the items we are working on in 2016.

  • Opening account(s) online
  • EMV chip cards for debit and credit cards
  • New lending system for quicker answers to your loan requests
  • Apple Pay / Samsung Pay
  • Debt protection product
  • Face lift to 1000 Union Avenue location
  • Mobile Banking Upgrades: RDC (Remote Deposit Capture) and P2P (Person-to-Person pay)
  • Home banking upgrade


Please tell your friends and family to come join Solano First so they too can take advantage of Solano County's best financial institution with the lowest rates and employees who put you our members first.

As I said, our promise to you is simple: Superior Service. Unbeatable Price. We appreciate your membership and look forward to serving you.

Thank you.


Michael Warrell


Solano First Federal Credit Union