Every day, we put people before profits. With this pledge, we provide lower loan rates, higher savings rates, and fewer and lower fees than most other financial institutions. Members receive benefits often much greater than the average. Within a recent 12 month reporting period, we provided $13.8 million in financial benefits to our members. That equals $444 in annual savings per household. By offering lower rates on new and used car loans, personal loans, credit cards, and home loans, we are able to save our members money, which strengthens their financial well-being.