The Rural Cooperatives Credit Union is a member owned, federally insured financial institution. Rural Cooperatives Credit Union has been serving members as a not-for-profit, member owned and operated financial cooperative since 1964. Earnings from loans and investments are returned to members in the form of dividends. It is this common-bond, teamwork concept that makes credit unions unique in the world of finance. Rural Cooperatives Credit Union is a full-service financial institution. We offer a variety of products and services such as low rate loans and convenient checking accounts.