As a leading non-profit financial cooperative, our purpose is to provide high-quality, lower-cost financial services for our members. We are dedicated to improving the financial well-being of our member community through engagement, service, education, outreach and charity. Credit Unions are not-for-profit financial cooperatives. They exist only to serve their members. Their roots go back to 1840 when the first credit union was established in Western Europe. A credit union is usually formed around a common bond, generally employment and are not open to the general public. Credit Unions are strictly regulated by the Georgia Department of Banking and Finance and the National Credit Union Administration (NCUA), an agency of the US Government.