A credit union member is more that a customer! If you are one of the over 86 million people who are credit union members, you belong to an institution that is unique in the financial world. While there are some similarities between credit unions and banks, certain features are unique to credit unions:

**Cooperative---no one person or organization owns a credit union. It is owned and governed by its member-owners. As a cooperative, it exists solely to provide members with affordable, convenient financial services.

**Not-for-profit---As member-owned cooperatives, credit union earnings, not held as reserves, are returned to members in the form of lower rates on loans, higher returns on savings, lower fees and better services.

**Volunteer Driven---The active involvement of member-owners is the cornerstone of the credit union philosophy. A credit union's policy-making Board of Directors and many of its committees are made up of individuals elected by the members-virtually all of them unpaid. Credit union member-owners have a direct say in the workings of their cooperative because each of them has a vote.

Our Credit Union has worked hard to keep pace with the rapid changes in the financial world. The core values of our credit union remain the same: service to members through cooperative ownership. That makes us unique in the financial worls--and an asset to your financial life!