Owned by the people who bank here.
Not by shareholders. Not by a holding company three states away. By our members, which is to say by you, if you join.
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
Everyday accounts
Checking and savings you can open from a phone in about ten minutes. No minimum balance games, no fee that appears in month four.
Auto loans
New, used, and refinancing the one you already have — which is the one most people should be asking about and usually don't.
About rates
We don't publish rates on this page, and we would rather explain why than let it look like an oversight. Rates move — sometimes weekly — and a number printed on a website is out of date the moment it changes. We would rather tell you today's number today, in person or on the phone, than have you plan around a figure that stopped being true in March.
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.