You're an owner.

We’re a cooperative. That means when you open an account, you become an owner of the credit union. Everyone who banks with us has equal ownership, whether you have a checking account with $20, or $2,000.

What does that actually mean?

No private shareholders.
No shareholders means we don't need to drive down costs by making our services worse, or drive profitability by adding fees every chance we get.

You vote in board elections.
Once a year, we hold elections for our board of directors.  You can come vote. You can come get on the board. In a normal bank, the board of directors is decided by who owns the most stock in the company. It’s a game only the richest people get to play. Not here.

Profits get reinvested.

At a traditional bank, profits go directly to shareholders. At a credit union, the money we make goes right back into your experience as a member and supports programs in your community. 

What does that actually mean?

• Lower loan rates
• Cash back rewards
• Free financial counseling

Your deposits fund your community.

At a national bank, your deposits are mostly used to fund loans to private equity firms, massive corporations, and commercial real estate transactions.

At a credit union, your deposits stay in the community.

What does that actually mean?

Small business loans
We serve smaller businesses than the banks typically do. In fact, we might be the reason one of your favorite local businesses was able to open their doors.

Local mortgages
We help working class families achieve the dream of home ownership, right here in our community.

Financial education in schools
We work directly with schools like Raub Middle School to pilot financial literacy courses, where our financial coaches educate kids in our community on financial literacy basics.