Membership into a Credit Union comes with many advantages. The main difference between a Credit Union and other financial institutions is Your Ownership Role. When you become a member, you actually own a portion of the credit union. Your credit union is managed by a volunteer board of directors who are also owners. All decisions made by the board of directors, and those they have entrusted with the day to day operations of the credit union, are always made with the owner’s (that’s YOU) best interest in mind. As an owner, you are entitled to a vote at our annual meeting and you are paid dividends through lower loan rates and competitive rates on your deposit accounts.