We are owned by the people, or members, who use our services.
Banks are owned and managed by their corporate shareholders.
Our profits are returned back to members in various forms like reduced fees, higher deposit rates and lower loan rates.
Profits are returned to shareholders.
Membership is based on a communal bond called the "field of membership." Our decisions are made with members in mind.
Banks offer services to anyone, anywhere. Decisions are made with shareholders in mind.
Our cooperative structure creates a common goal of the financial wellbeing of our members.
Most profits are made by charging feeds and high interest rates to customers.
Your deposits are federally insured up to $250,000 by the NCUA.
Deposits are federally insured up to $250,000 by the FDIC.