What's A Credit Union

Credit unions are democratically owned and controlled institutions based on "People Helping People" principles.  A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members.  It is member owned and controlled through a board of directors elected by the membership.  The board serves on a volunteer basis and may hire a management team to run the credit union.    

The board also establishes and revises policy, sets dividend and loan rates and directs certain operations.  The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit for stock-holders.


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