Member Benefits
Learn more about special benefits available exclusively to Obran Cooperative members.
1. Medical Insurance Coverage
Obran offers medical, dental, vision and life Insurance to any full-time, W2 employee.
Obran Cooperative covers 100% of premiums for medical, dental and vision for full-time employees who are members (eligibility begins upon execution of Member Agreement).
Obran also makes contributions for non-member employees. Those rates are established by the business unit. Inquire directly with your manager for current rates.
2. Money Positive Financial Coaching
Money Positive Cooperative is excited to partner with Obran to provide financial planning as a benefit to member organizations.
Members of Obran Cooperative are eligible for six months of individual or household financial planning from Money Positive as a reimbursable expense. Planning is an ongoing subscription service that members may choose to continue or cancel after six months.
In the planning process, we help you:
Get your personal and professional finances organized
Build an easy to follow budget
Manage credit card and other debt
Build savings for short- and long-term goals
Invest for retirement
With regular access to your financial planner, you're able to ask financial questions as they come to you or as financial life events arise. You're able to learn along with this process and feel empowered to tackle your finances head on.
Please email membership@obran.coop to request reimbursement for this expense, we will provide instructions for submitting receipts.
Schedule a call with Money Positive now!
3. Financial Assistance Resources
Employee Paycheck Advance Policy: This benefit allows employees early access to the wages they have already earned but have not yet received through the regular payroll process. This policy is designed to support employees who need immediate financial relief between standard pay periods. The Paycheck Advance can be requested up to twice a year and is limited to the amount earned to date. Detailed guidelines and application processes are available in a linked document.
Member Loan Policy The Member Loan offers Obran Cooperative employees who are members in good standing the opportunity to borrow funds that can be repaid over a period of up to six months (12 pay periods). These loans are subject to an annual interest rate and a processing fee, both of which are deducted across the repayment term. Loans can be used for genuine needs, encouraging responsible borrowing and financial management. Eligibility criteria, repayment terms, and the application process are detailed in a linked document for members to review and follow.
Not an Obran member yet? Sign up for membership here to access these benefits, plus profit-sharing, voting rights, and more!
Are you interested in benefits you don't see here? Let us know the type of member benefits you would be interested in by filling out this survey.
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