Meet Your Management Team

Michael Ostrowski

Chief Executive Officer and President

Mr. Ostrowski’ s career in financial services spans lending, branch administration and senior management. Mr. Ostrowski came to Arrha Credit Union from Barre Savings Bank, where he served as Senior Vice President of Lending. In his 30+ years of banking, he has held positions with Ludlow Savings Bank, Multibank, United Co-operative Bank and Pioneer Financial Co-operative Bank. He also served for nine years as Vice President and Chief Lending Officer at Freedom Credit Union in Springfield. He is a Community Supporter of the American Lung Association, Springfield YMCA and other civic organizations. He was a Member of the Board of Directors at Ludlow Country Club. He has been an Adjunct Professor at Holyoke Community College for seven years. Mr. Ostrowski holds a Bachelor's degree from Springfield College and a Master's degree in Business Administration from Rensselaer Polytechnic Institute. He has completed additional studies at Fairfield University Center for Financial Studies and the Massachusetts Bankers Association School of Commercial Lending.

John Lund

Chief Financial Officer

John has been in the banking industry for almost 25 years. Most recently he was CFO and in a senior leadership role at a larger savings bank in Worcester County which he joined after having served as CFO of Rockville Bank, Rockville, CT up until its merger with United Bank. Approximately half of John's career was with the FDIC as an examiner primarily in New England where he was responsible for assessing the safety and soundness of financial institutions of all sizes and complexities. At Arrha he will be primarily responsible for balance sheet management, treasury, accounting, regulatory reporting and risk management. He will also work to provide strategic counsel to the president, board of directors, and his fellow team, collectively working on the goal of serving members, and growing Arrha in a prudent and safe fashion. He holds a bachelors degree in business administration that concentrated on finance and business management from Northeastern University Boston, MA. He has served in many teaching, instructing, and mentoring roles with both the banks he served and with the FDIC. He is a commissioned examiner from the FDIC and was nominated by the Hartford, CT Business Journal in 2011 as a finalist for financial institution CFO of the year.

Jennifer Beylard

Vice President of Operations, CCUE

Jennifer brings over 17 years banking and credit union experience. She holds a B.F.A from the University of North Florida. In 2006, she moved to Massachusetts and began working at Arrha Credit Union. In 2012, Jennifer received the Credit Union Rising Star award from the Massachusetts Credit Union League. In 2013, Jennifer completed the CUNA Management Training Program and was Certified as a Credit Union Executive. Jennifer sits on the Board of Directors for the American Red Cross Pioneer Valley Chapter.

Ana Frasco

Assistant Vice President of Lending

Ana joins Arrha Credit Union with over 15 years’ experience in banking and over 11 years in mortgages. She is a graduate of STCC in business management. In 1999, Ana started her banking career as a Teller for Arrha Credit Union. Ana has extensive training and knowledge of secondary market, Fannie Mae, Freddie Mac, FHA, VA, MassHousing Partnership and FHLB loans. Ana is returning to Arrha Credit Union from Freedom Credit Union where she worked in the Mortgage Department. She is fluent in Spanish and English.

Tony Sanches

Assistant Vice President of Retail Operations

Tony has over 15 years of experience in the local financial industry and 10 years in residential lending. He began his banking career as a teller at Westbank. Tony moved from Westbank to Country Bank as a head teller and worked his way up to Customer Service Manager, Assistant Branch Manager and Loan Originator, before moving over to Florence Savings Bank as a loan originator of their multiple offices. He finished his career at Florence Savings Bank as an Assistant Vice President of Lending and moved to Freedom Credit Union as a Loan Officer. Tony has extensive knowledge of portfolio lending and secondary market lending including, conventional loans, MHP, USDA, FHA, and Masshousing loans. He is fluent in Portuguese and English, a member of the Rotary Club of Ludlow, Corporator at the Ludlow Boys and Girls Club and a member of the Ludlow Youth Soccer Association where he coaches youth soccer.

William J. Toth

Branch Manager, Hadley

Bill has over 19 years of experience in the banking industry, mostly in the Boston area, before recently returning back to Western Massachusetts where he grew up. He began his banking career as a teller for Blue Hill Federal Credit Union, in Brookline, MA. Bill worked his way up to CSR and then Asst. Branch Manager with Grove Bank, also in Brookline, MA, before moving over to Stoneham Savings Bank, in Stoneham, MA, where he was the Branch Manager of their Redstone office. Trained in NOVELL Networks, Bill has also held the positions of IT Assistant and Technology Coordinator. He holds an AS in Business from STCC and has studied at The New England College of Finance in Boston, MA. He has been an active member of the Executive Board for the New England Safe Deposit Association since 1999.