What Makes us Different?

We are one of less than 250 Mutual Banks left in the country to not have investors or sell our loans as investments. Mutual banks have been around since the early 1800s and began to provide working class people a safe place to earn interest and borrow money.

Unlike most credit unions, we pay local, state, and federal taxes. Unlike most banks, we are not controlled by stockholders or other direct owners. Rather, our members – the depositors that bank with us – are considered mutual owners. As a result, we don’t make decisions based on shareholder interests or Wall Street trends; but instead focus on how we can deliver maximum value to our membership.