Patronage is a form of reward for being a member.  Members not only receive competitive rates on loans and deposits, but also share in the surplus generated by the credit union based on the amount of business done with the credit union.  In essence, the credit union shares its profits with you.  Equity is paid to members.  Those who choose not to become a member may still utilize the services of the credit union and contribute to the operating surplus of the organization, but they are not eligible for the equity payment.  Being a member of Unity Credit Union truly pays!