Because we have no profit mandate we can reinvest any profits we do make into
providing lower fees for our member-owners. For example:

• Debit fees that are 40% lower than traditional banks

• A network of over 3500 ATMs nation-wide that carry no fee at all

• Fee-free accounts for all member-owners under 25 and over 59

• Fee-free accounts for all new member-owners for one year

• Personal loans offered at the lowest possible rates of interest

We keep all of our fees as low as possible and even try to eliminate fees when we can. Experience a financial institution that works to save you money rather than trying to make money from you.