A credit union is a not-for-profit financial cooperative owned and operated by its members.  Members pool their financial assets together to provide funds for loans and a variety of other financial services. Credit unions exist to serve members and provide a safe, convenient place for members to save money and to get loans at reasonable rates.

Member ownership and control are what make credit unions unique.  Each member has a right to vote for volunteer leaders that democratically manage and control the credit union for the benefit of all members who are united through a common bond or community as described in the credit union's field of membership. Once you become a member of a credit union, you're always a member even after retirement, relocation, or a change in family ties.

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