A credit union is a financial co-operative.  We balance the principles of co-operatives with those of business.  Our principles ensure we engage in activities focusing on democracy, social consciousness, and human relations.  We are a business owned and controlled by members and operated for them and by them.  Members pool their financial assets to receive services they need and benefit from operating surpluses generated, through community donations and patronage.  As a member, you benefit as well as having an influence in the future of your credit union.