What makes credit unions unique from banks, savings and loans, consumer finance companies and others is that they are owned by the members and operated as democratic institutions. As well as belong, many members also volunteer their time and talents to the credit union to help provide many of the services the credit union offers. They serve on committees, can be elected to boards, and take an active role in the operation of their credit union.

Credit Union membership is available to anyone who lives or is employed in Graves, Carlisle, Fulton, and Hickman counties in Kentucky. Membership is also open to the immediate families of members or organizations of such members.

You can join simply by completing a membership card and making a \\$5.00 deposit. Once you are a member, you will remain a member (regardless of your employment or residence), unless you close your account by withdrawing all shares.

The Credit Union is owned by its members. Each person, who opens a Share (Savings) Account, buys a "share" or part of the organization. Regardless of an individual's share account balance, each member owns an equal share of the Credit Union and is eligible to cast one vote for the Credit Union Board of Directors.

The Credit Union's Board is made up of elected members, who volunteer their time and effort to serve the Credit Union. The manager and staff handle daily operations however, the Board is responsible for setting all policies, rates, and establishing credit guidelines for the Credit Union.

All deposits at the Credit Union are federally insured up to \\$100,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. The NCUA may examine the Credit Union at any time to make sure the Credit Union meets safety and financial soundness regulations. To further ensure the safety of members' funds, the Supervisory Committee insures that an annual audit is performed as well.