You keep more of your money. As a credit union, MWRD ECU is a not-for-profit organization. This means we can offer you a wealth of benefits like better rates, fewer fees, and more free services. You own the place. MWRD ECU is member-owned. Members - like you - have the power to direct credit union policy. Each year, you are invited to the Annual Meeting, where we review the state of the credit union and elect a volunteer Board of Directors from the membership.