People Helping People is the basic concept of credit unions and the philosophy that guides us. Credit Unions are not-for-profit, member-owned, financial institutions. The funds that members deposit into savings are the funds that are used to make loans to the membership. The interest that borrowers pay is the income used to pay savings dividends, cover operating expenses and to contribute to the Credit Union's operating reserves for the financial strength for the benefit of all members today and in the years to come. You share in the Credit Union's success with the benefits of the best possible rates and the lowest possible costs. That's the "People Helping People" concept at work for you.