Credit Unions are not-for-profit, member-owned, cooperative institutions that work for the benefit of its members.  Credit Unions are required by law to reinvest all income after expenses in the form of dividends, services, low fees, or competitive interest rates.  Credit unions exist solely to serve their members.

Banks are in business to make a profit for stockholders.  They use fees to increase income and often attempt to maximize profits.

Credit Unions are democratically run and have a member-elected Board of Directors.  Each member is a shareholder and receives one ballot for our annual elections.

Bank's board of directors are paid and work to increase stockholders profits.

Car loans, Visa^®, and personal service loans account for more than half of all total loans.  The revenue earned from loan interest is used to cover operating expenses, pay dividends, and provide low-cost services to members.