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Routing Number: 302386765

How is a Credit Union Different than a Bank?

We believe in people over profit, and that impacts the way that we do business. From our overall structure down to the smallest detail, the credit union philosophy sets us apart.

Feature Credit Unions Banks
PHILOSOPHY Democratic, member-owned cooperative.  "Not-for-Profit, not for charity, but for service." Business orientation to generate profit for outside shareholders.
DIRECTORS Unpaid volunteer Board of Directors elected by its members. Paid Board of Directors elected by shareholders.
SERVICES Consumer services - savings, loans and checking accounts.  Financial Counseling. Consumer and commercial.  Loans, savings, checking and loan corporate trust services.
RATES / FEES Typically higher dividends on savings, lower loan interest rates and fewer fees. Charge more and higher fees than Credit Unions.
SAFETY Deposits in all Federal Credit Unions are insured up to $250,000 by the National CU Share Insurance Fund (NCUSIF). Nearly all accounts are insured up to $250,000 by a government agency.