Founded on the basic democratic premise of the cooperative movement, your non-profit Credit Union believes that access to low-cost financial services is critical to the health and stability of ordinary citizens. A member must be a U.S citizen and meet the credit union underwriting standards to otain a loan.  Economic conditions and depsoits available may affect loan availability.  Credit union membership offers many benefits. Services offered range from simple savings and checking to home equity loans and IRAs. Study after study has revealed that, on average, credit unions provide the best financial offerings with fewer fees, lower rates on loans and higher rates on savings.

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