Founded on the basic democratic premise of the cooperative movement, your Credit Union believes that access to low-cost financial services is critical to the health and stability of ordinary citizens. Credit union membership offers many benefits. Services offered range from simple savings to home equity loans to IRAs. Study after study has revealed that, on average, credit unions provide the best financial offerings with fewer fees, lower rates on loans and higher rates on savings.YOUR SAVINGS FEDERALLY INSURED TO AT LEAST $250,000 AND BACKED BY THE FULL FAITH AND CREDIT OF THE UNITED STATES GOVERNMENT.