Since 1985, we at CFCU have provided low-cost financial services to our members, and we continually strive to serve in the community. Since there are no stockholders to pay, we can usually offer higher savings rates and lower loan rates than other financial institutions. We are a not-for-profit financial cooperative operating for the benefit of our members. Every member is an owner, with the right to vote for the Board of Directors, who establish the credit union’s policies.