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.
||Democratic, member-owned cooperative. "Not-for-Profit, not for charity, but for service."
||Business orientation to generate profit for outside shareholders.
||Unpaid volunteer Board of Directors elected by its members.
||Paid Board of Directors elected by shareholders.
||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.
||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.