ABOUT

What is a Credit Union

A Credit Union is a cooperative, not-for-profit organized to promote thrift and provide credit to members.  It is member owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the day by day operations of the credit union.  The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations.  The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not make a profit.

We understand that every situation is unique and we pride ourselves in working with members to find the best match for their financial needs.  We are here to help, not make a profit.

No Customers, or Clients, Just Members

There are no stockholders or investors in the traditional sense.  Credit Unions are not-for-profit institutions.  When a person joins, he or she becomes a member, not a customer or client.  It is members not outside investors, who pool their money, lend to one another, and provide other services.  That is why members, not profits, make up the bottom line.