First, we do our best to offer the lowest rates and most attractive terms possible.
Some members use only non-loan services, savings and investment products.
Plus, we strive to continue building capital through reasonable net income each year. It is re-circulated, and doesn't go to a few wealthy stockholders. That income creates opportunities for other members and you, too. As income grows, so does our ability to offer higher dividend rates, lower loan rates, reduced or eliminated fees and broader services. It's like keeping the money in the family.