What is a Credit Union

Credit unions are financial cooperatives organized for and by members for their collective benefit and, as such, are not-for-profit organizations. Credit unions do not have stockholders. Members, each having one vote, elect volunteer board members to lead the credit union.

As member owned organizations, credit unions work to ensure the financial well being of their members. And because there are no stockholders to pay dividends to, usually credit unions can offer lower rates on loans and higher rates on savings when compared to banks.

People Helping People
People Helping People is a common theme that runs throughout the credit union movement and has been adopted as a motto by many. It refers to the cooperative history and nature of the movement and how people can band together to make their lives better.

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