Credit unions are not-for-profit financial cooperatives. Every member is both a member and an owner. We exist to serve our members, not to make a profit. Earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.
Checking and savings accounts, debit/credit cards, IRAs, mortgage services, insurance protection and specialized loan programs are just a few of the options available to credit union members.
Due to credit unions' structure, we generally offer better rates on loans and savings than commercial banks. Banks must make profits for their shareholders, while credit unions exist only to serve their members. Our "people-first" philosophy is the foundation for credit union involvement in the community, charitable activities and worthwhile causes.
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