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The Credit Union Advantage
	Credit unions are part of a strong national financial system that holds more than 65 billion in assets. Yet credit unions have local interests at heart and put personal service first. Credit union members have the best of both worlds - big and small. Financial Services. Democratic Ownership. Community Involvement. Membership:  You are not merely a customer at a credit union. You are a member. And membership means so much more. It means sharing a common bond with your fellow credit union members. In a community credit union, you are all residents of the same community. The emphasis is on sharing.  You're also a share holder, Every member can purchase a $5.00 share which gives them an equal say in the overall direction of the credit union. Democratic Ownership:  The fundamental operating principle of credit unions is democratic ownership... one member - one vote, regardless of the amount of shareholding or deposits.  You have a voice in your credit union and equal access to all the services it offers. Community Development:  Credit unions are local financial institutions. So, it is not surprising that they are strong supporters of community development. Local credit unions draw their membership and assets from the community in which the operate and put their financial resources to work in that community. Financial Services:  Most credit unions offer all the services that Canadians expect from a financial institution. Chequing and savings accounts, term deposits, loans, registered saving plans, RRIF's, mortgages, lines of credit, ATM's - they're all available at credit unions. One-On-One Service:  To most Canadians, financial service means impersonal service. That's not the case at credit unions. Credit unions pride themselves on offering personal, friendly service at its very best.  Personal service is the foundation of credit union success and research shows that consumers recognize this. Credit union users are members and owners of their financial institution. That counts for more. Dedicated Volunteers:  Every credit union has a Board of Directors that sets policies and ensures that day-to-day operations are handled in accordance with credit union bylaws and appropriate government legislation. Directors are elected by members at the annual general meeting and serve in a volunteer capacity. At the credit union, you can choose simply to enjoy good service or you can get involved.