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History of the Credit Union 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. Starting from a humble beginning 75 years ago, we have grown to an organization with 20, 000 member (owners). We have 7 convenient locations in Genesee, Ingham and Shiawassee Counties. If you are not currently a member of the Credit Union, we invite you to stop by and sign up and start sharing the value of membership.