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ARHCU salaries

ARHCU salaries are competitive with the market. Salary surveys are conducted regularly and adjustments to the salary structure are made before annual increases are awarded each year. Starting salaries for new staff members are determined based on an individual's related job education and experience and the salary range for the position being filled.

ARHCU believes that gains created from meaningful business results should be shared with staff members who contribute to those results, and that staff members should be rewarded for accomplishing objectives and achieving targets related to the overall strategic plan of the Credit Union. Certain positions have sales- and/or productivity-related incentive plans.

positions/progression levels

Skill Progression Plans are in place for four positions. The desired proficiency for the position is acquired over a period of time. Skill progression is recognized and rewarded with a salary increase upon successfully passing a Skill Demonstration.

ARHCU Benefits

Insurance Benefits

Note: Premiums are shown at the bottom of this page. Employee paid portion of premiums are collected by payroll deduction, 24 out of 26 biweekly pay periods

PacifiCare – (PPO/HDHP with HSA) A full service health care plan located throughout the United States.

• High deductible Health Plan and Health Savings Account
• Wide choice of participating Primary Care Physicians
• Emergency care is covered worldwide
• Employer buy-down of deductible & Out of Pocket maximum through an unreimbursed medical account
• Employer HSA contribution from $75.00 to $175.00 per month
• The HSA account has debit card access and accrues interest.
• Year-end carry over of HSA account balance
• Employee HSA Contribution Tax benefits – $2,850 annual maximum for single coverage and $5,650 annual maximum for family coverage

*** An HSA (Health Savings Account) is a financial account that you can use to accumulate tax-free funds to pay for qualified health can expenses, as defined by the Internal Revenue Service.  The account acts like a regular checking account with a debit card and accrues interest.  All money in the account is owned by you and is fully vested as soon as it is deposited.  Funds can accumulate over time and the account is portable among employers.  If you use the funds for qualified health care expenses, you will pay no taxes.  If you use the money for other expenses, you will pay a tax and a penalty fee.

 

PacifiCare – (HMO) is a full-service health care plan located throughout the United States. 

• Wide choice of participating Primary Care Physicians
• Emergency care is covered worldwide
• Office visits for medical care -- $25.00 per visit
• Prescription plan- $10.00 generic, $20.00 for brand-name, and $25.00 for non-formulary

Kaiser Permanente  has more than 13,000 physicians at 416 medical offices and 32 medical centers and serves 8.7 million members.  The Sacramento area has several convenient locations.

• Office visits for medical care -- $20.00 per visit
• Chiropractic Care  $15.00 per visit – 20 visits per calendar year
• Prescription plan- $10.00 generic and $25.00 for preferred brand name

 

Guardian DentalGuard Preferred Provider (PPO)-  Guardian is a premier provider of professional services and financial products for over 140 years.   You can conveniently locate a Dentist on the Internet at www.GuardianLife.com.

• 100% Preventive services and 50-60% Major Services
• $1,500 calendar year annual maximum for preventive, basic and major services combined.

Blue Shield of California -Vision (Administered by Medical Eye Services) MES Vision comprises a substantial panel of Ophthalmologists, Opticians, Optometrists located throughout the United States. 

• Co-Payment - $25.00
• One eye examination in a 12 consecutive month period
• One pair of lenses and one frame in a 12-24 consecutive month period (depending on prescription changes)

 

Unum is a leading provider of income protection and insurance services for over 150 years.

• Basic Life and AD & D (1 x your basic annual earnings to a maximum of $100,000). No cost to staff member.
• Employee paid voluntary life & AD &D program – 5 x annual salary or $500,000 maximum
• Short Term Disability coverage provides 60% of weekly earnings to a maximum of $1,400 with a maximum benefit period of 22 weeks. No cost to staff member.
• Long Term Disability provides 60% of monthly earnings to a max of $6,000 per year after short term up to age 65. No cost to staff member.

 

ABACUS Series – Short Term Disability

• Employee paid voluntary short term disability insurance
• Benefit amounts –pays up to 60% of income per month
• 12 month benefit period

 

Other Benefits

UNUM -Employee Assistance Program – Work/Life Balance

• 24 hour access to professional advice on a wide variety of topics. No cost to staff member.
• Unlimited assistance via phone and counseling sessions
• Universal Access card with toll free calling
• Worldwide emergency travel assistance services

ARHCU’s Flexible Spending Plan is administered through P & A Group.  It allows staff members to pay for certain non-covered out-of- pocket medical expenses such as medical, dental, vision expenses, over the counter medications, and dependent/child care before taxes are calculated.

• Most likely saves 20% or more in federal and state income taxes

• Medical Expenses account is used to pay for expenses not covered by insurance – has an annual maximum of $3,500.
• Dependent Care Expenses account is a maximum of $5,000 for one or more children
• Premium Account pays for employee portion of employer-sponsored benefits.
• Debit Card with zero wait reimbursements

 

The Standard 401k Plan - The Standard is recognized as the top 401k-plan provider in the industry.

• Participation in the plan is open to staff members on their first entry date after hire and who have attained the age of 20.
• Staff members can make pre-tax contribution of eligible pay through payroll deduction
• ARHCU will match DOLLAR for DOLLAR staff member’s contributions up to 6% after 6 months of service and have 500 hours of service during the 12-month period beginning on your hire date.  If staff member contributes 6% of salary, ARHCU will contribute 6%. There is a 5 year vesting period for ARHCU contributions and any contributions ARHCU makes in a given year are subject to a “last calendar day rule”.
• The Board of Directors may also approve an annual bonus – which in some years has been an additional 3%.

 

Time Off

• Paid Holidays – for staff members who are scheduled to work but the day is designated as a credit union holiday:
  • 11 paid holidays, including the day after Thanksgiving to provide a four-day weekend, (88 hours full-time, 44 hours part-time)
• Vacation Benefits – Accrues per pay period at a percentage based on 80 hours. Can begin using after 30 days:
  • 2nd payroll — 3rd year 10 days (80 hours) per year
  • 4th year — 15th year 15 days (120 hours) per year
  • 16th year — 20 days (160 hours) per year
• Sick/Personal Leave – Accrues per pay period at a percentage based on 80 hours. All staff members can use up to 16 hours for personal business.
  • For all staff 6 days (48 hours) per year
• Unpaid Time Off – for staff members who have used accrued leave but need to schedule additional time off for vacation or personal business (subject to the business needs of the credit union):
  • Every 12 months 10 days (2 weeks) per year
• Bereavement, Jury Duty, Anniversaries – ARHCU also offers paid time off to eligible staff when there is a death in the immediate family, jury duty service and also to celebrate their years of service with the credit union.

Bonuses / Incentives

• Gainsharing – All staff members (excluding senior management) participate in ARHCU’s “Gainsharing” Plan, which can pay up to 5% of your salary. It is based on the credit union achieving set targets for specific goals.
• Sales/Productivity Incentives or Commission - Some designated positions also earn incentives and commissions based on individual or department goals.

 

Monthly Premiums for Benefits (Full-Time)
Benefit Provider	Enrollment	Monthly Rate	ARHCU's Contribution	SM Contribution	Opt-Out Benefit
PacifiCare HMO	Employee	$265.10	$215.00	$50.10	$40.00
	Employee + Spouse	$580.57	$225.00	$355.57
	Employee + Children	$503.70	$225.00	$278.70
	Employee + Family	$805.91	$450.00	$355.91
PacifiCare HDHP/HSA	Employee	$198.29	$185.00 - $75.00 HSA	$13.29	$40.00
	Employee + Spouse	$434.25	$225.00 - $125.00 HSA	$209.25
	Employee + Children	$376.75	$225.00 - $125.00 HSA	$151.75
	Employee + Family	$602.78	$400.00 - $175.00 HSA	$202.78
OR
Kaiser Permanente	Employee	$347.81	$215.00	$132.81	$40.00
	Employee + Spouse	$695.62	$225.00	$470.62
	Employee + Children	$626.06	$225.00	$401.06
	Employee + Family	$1,217.34	$450.00	$767.34
Guardian - Dental	Employee	$42.93	$42.93	$0.00	$14.00
	Employee + Spouse	$82.36	$45.39	$36.97
	Employee + Children	$103.22	$46.75	$56.47
	Employee + Family	$142.65	$69.33	$73.32
Medical Eye Services	Employee	$7.00	$7.00	$0.00
	Employee + Spouse	$13.89	$9.79	$4.10
	Employee + Children	$12.23	$8.69	$3.54
	Employee + Family	$18.09	$11.02	$7.07

 

American River HealthPro Credit Union is an Equal Opportunity Affirmative Action Employer M/F/D/V