A credit union is a member-owned financial cooperative designed to help members
help themselves financially. Every credit union member is also a credit union "owner." Unlike
a bank, there are no outside stockholders that receive "profits." Credit
unions return their "profits" to their members in the form of better
rates and lower fees. As a credit union member, you democratically elect the
volunteer Board of Directors to run the credit union at our annual meeting.
The credit union's paid professional staff reports to the Board of Directors
on a monthly basis.