| The credit union difference is most evident in hard times. Unlike most financial institutions, we stand by our members in good times and bad. We understand that bad things happen to good people. And our skilled financial counselors work with our members to get them though the rough times. |
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We do not rely on outside sources for funds; we are locally owned by our members. We are not predatory lenders; our loan portfolio is solid and underwritten with integrity. We are not lobbying Washington for a bailout. The nature of credit unions promotes self sufficiency. WE do not have to answer to stock holders our commitment is to our members, and all our profits are returned to the members in the form of fair and equitable loan and dividend rates. |