THE CREDIT UNION DIFFERENCE...

Credit Unions differ from banks and other financial institutions in a number of ways:

Credit Unions are member owned and operated. We do not have stockholders, like banks, that reap the rewards of serving customers. The money that is earned by the credit union is distributed to our members in the form of dividends. Money retained by the credit union as "capital" remains owned by its membership.

The Board of Directors that runs the credit union is elected by the membership. Each member has one vote regardless of the amount of shares a person owns. The Board is not paid! They are volunteers. They operate the credit union for the good of the group, not for any personal gain.

Credit Unions have "fields of membership". Not everyone can join our credit union - you must be an active or retired civilian U.S. Govrnment employee or family member. This structure promotes a more friendly style of doing business, since we all have something in common.