The credit union was organized in 1973 and is federally chartered. Ben Kidd who originally signed the agreement is still active on the board today as Vice President. Our dividend rates are above average. We compute our dividends on the average daily balance and are paid quarterly. We offer many types of loans and in some cases, we offer same day service on loans. Many of our members take advantage of the payroll deduction. Our current target audience is comprised of employees of Delmarva Power Bay Region, NRG, Service Today Inc., Admiral Security and their families as described in our charter.