As a member-owned, cooperative, not-for-profit financial institution, we at CICU think a little differently than the "other guys" down the street. We derive our policies and procedures based on a few simple guidelines:

• Offer the products and services our members want.
• Make these products and services as accessible as possible.
• Offer them with the least amount of fees and interest possible.
• Keep it simple--no teaser rates that go up later or punitive default rates if you're a couple days late with a payment--we even offer real grace periods--not just the time between billing cycles like the "other guys" .
• Try to balance the needs of all members: That is, don't make some members "subsidize" services for other members. Keep fees and rates in line with costs, and always strive to cut costs.
• Treat our staff well. If you're already a member, you've probably noticed that you're still seeing the same people in the lobby that you have for years. And because we treat our staff well they...
• Treat our members very well. After all, we're the owners. And the customers. And the management. Kind of a neat idea, isn't it!

If you're not a member, come by and check us out. Though you may find similar products and services to those we offer at other places, we're confident you won't find them done as well .