That sounds like a slogan and it is really a structure. A bank answers to investors who expect a return. A credit union answers to its members, because the members are the owners. When we have a good year, the money does not leave. It comes back as better terms and fewer fees, because there is nowhere else for it to go.
We have been doing this since 1954, when a group of local teachers pooled money so that people who could not get a fair loan from a bank could get one from each other. Nine branches later, that is still the job.
What you can do here
Checking & savings
Open from a phone in about ten minutes. No minimum balance, no fee that appears in month four.
Auto loans
New, used, and refinancing the loan you already have — which is the one most people should ask about and don't.
Become a member
If you live, work, worship or study in the counties we serve, you are eligible. So is your household.
Why people leave a bank
Almost nobody switches because of a rate. They switch because something happened — an overdraft fee for being twelve dollars short over a weekend, a loan officer who could not explain a decision, forty minutes on hold to fix something that took two minutes to cause.
We are not going to claim we never get any of that wrong. We are small enough that when we do, you can find the person who can fix it, and they are in the same county as you. It's banking that actually feels local.
New this season
- Skip a payment in December? The honest arithmetic, including when it's a bad idea.
- Before you refinance the car — the four numbers to have in front of you.
- Security & fraud center — what we do, and what you can do.