Why Choose A Credit Union?

Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.

Most credit unions, large and small, extend the same technology-based delivery channels as banks, including expansive ATM and point-of-sale networks, online banking and bill payment, eStatements, direct deposit, and much more.

Credit unions are economic democracy. Each credit union member has equal ownership and one vote -- regardless of how much money a member has on deposit. At a credit union, every customer is both a member and an owner.   Each credit union is governed by a board of directors, elected by and from the credit union's membership. Board members serve voluntarily.  This process guarantees that your credit union is looking out for your financial interests and not that of a small group of stockholders.

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions. They also insure savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

Credit unions exist to help people, not make a profit. Our goal is to serve our entire membership well, including those members of modest means - every member counts! In short, if you are looking for a financial institution where you are more than a dollar sign, a credit union is a great choice. Because you are the owner, your voice is always heard, it is your interests that comes first, not big profits.