The credit union is a member-owned not-for-profit financial cooperative formed for the purpose of encouraging savings and making loans at competitively low interest rates. The credit union strives to provide the highest level of personal service in a courteous and professional manner and to treat all individuals fairly and with dignity. The credit union holds safety and soundness of the organization to be of high importance, pledges to safeguard the assets, places a high importance on consumer education and looks for better ways to reach out to the under-served in the membership field. In addition, the credit union promises to communicate its services to its members in a meaningful way so that they will understand and appreciate the unique roll that it plays in their lives. Finally, the credit union pledges to preserve and protect the privacy and confidentiality of all member financial records and transactions and to provide the members with complete and accurate information concerning

Member loans - the credit union strives to provide its members with financial flexibility and encourage savings with various types of loans in the following categories: automobile loans, mortgage loans, share-secured loans, equity line loans, unsecured loans, participation loans, and other various types. As of year end, the credit union had approximately 6,641 loans outstanding. depository accounts - the credit union strives to provide its members with financial flexibility and encourage savings with various types of depository accounts. The credit union currently offers depository accounts in varieties such as draft accounts, checking accounts, savings accounts, certificate of deposit accounts, individual retirement accounts, and other various types. As of the year end, the there were approximately 29,778 depository accounts held at the credit union. The credit union also provides its members with the allowance of a debit card. This logged a total of over 150,000 transactions during the year. Member services, including internet banking and bill pay provide members with the fastest and safest ways of transacting business. Includes overdraft protection to assist members with services to avoid unwanted fees.