Credit Unions were born in 1849 in Germany. By pooling their money, neighbors could make low-cost loans to each other. To assure that the lending pool would grow, each member was required to save something each month. Finally, every member is an equal owner, no matter how much or how little he or she has on deposit.
 
 
Credit Unions are owned and operated by their members. Members elect the Board of Directors who serve without pay. Members make up the voluntary Supervisory Committee. There are no outside stockholders - only members.
 
 
Deposits in federally chartered and most state chartered Credit Unions are insured to $250,000 by the National Credit Union Credit Union Share Insurance Fund (NCUSIF), a U.S. government agency.
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