A credit union is a not-for-profit financial institution that is owned by its members. By being owned by the members rather than a small group of individuals or investors, credit unions are uniquely capable of focusing their efforts on helping their members reach their financial goals by keeping services affordable. Credit Unions, like CW, typically offer higher dividend rates and charge lower fees compared to banks. We also provide more personalized service and build relationships with our members. These efforts follow the credit union philosophy of members helping members.