What is a Credit Union?

Credit unions are like banks -- except for how they're totally different.

Sure, they offer many of the same services, but then come the differences. Here is the big one. Banks exist to make money, for themselves, and their shareholders. If a bank can bring in some extra money from deposits and loans, who do you think they will want to share it with? Fortunately, as a credit union member you don't have to care.

Think of a credit union as a bunch of people pooling their resources to serve just them. They use their money to create savings, fund loans, and build financial security. You see, when people join a credit union they become members, not customers. A credit union is not-for-profit -- not for stockholders, or anyone but you.

As a credit union grows its membership, makes loans, and receives savings deposit revenue, it becomes more and more able to pass on the benefits to its members in the form of more services, as well as better rates on loans and deposits. In a credit union, we work for the members. Because we are members too!

Another point to consider is that we are not too big to help the average working person or family. We are not too busy to talk to you when you call. We are not some huge organization that will shuffle you off to someone who works out of a "service center" thousands of miles away. We are here for you, literally. Not only can you get us on the phone, you can give us a visit whenever you please.