Dear Fellow Member-Owners,

This time of year has become an annual time of reflection for me. Each year I check-in with partners (employees) and member-owners to ensure we are serving our mission to improve and enhance your financial lives.

By helping you achieve your financial dreams, we prosper as well. That prosperity is then reinvested in our communities and you, our member-owners, via new products, lower-priced loans, scholarships, financial literacy programs, and citizenship loans. That is where the fruits of your patronage go.