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A Credit Union is a democratic, financial co-cooperative, owned and controlled by its own members. Every person who saves in the Credit Union is an owner and each member has one vote in the running of the Credit Union. Surplus income generated is returned to the members by way of a dividend or is directed to add or improve additional services that may be required by the members. We hope you will find this website informative and will give you a good understanding of what Credit Unions are all about.