We will be closed Thursday, November 23rd in observance of Thanksgiving Day. You can still access your account through online banking. We will return to normal business hours on Friday, November 24th.

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What is a Credit Union?

A credit union is a financial co-operative of individuals with a common affiliation (such as employment, labor union membership or place of residence). Credit unions accept deposits, pay interest (dividends), and provide loans and other services to their members.

What is a Credit Union?




Credit unions are co-operative: It is owned and governed by its members. As a result, it exists solely to provide you with a safe, convenient place to save money, obtain loans at reasonable rates and receive other needed services.

  Credit unions are not-for-profit: All credit unions are owned by members; there are no outside shareholders. Any earnings are returned to members in the form of lower rates on loans and credit cards, more competitive return on savings, low / no fees and value-added services.


  Credit unions are volunteer driven: A credit union's policy-making board of directors and some of its committees are made up of members who are elected by other members. In other words, as a credit union member, you have a say in how it is run.


  Credit unions are first in service: Credit unions have consistently ranked higher than banks and other financial institutions in the annual Customer Satisfaction Index report.

The Credit Union Difference