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As a cooperative, we usually charge lower interest rates on loans and pay higher dividends on savings than most banks. Credit Union Members serve without pay on the all-volunteer Board of Directors. This spirit of cooperation, along with a dedication to personalized service, creates a sense of "family" that sets Credit Unions apart from other financial institutions. In today's rapidly changing financial environment, this is more important than ever. In addition, your money is secure, your eligible Credit Union desposits are insured by the NCUA.