ABOUT US SRFCU is a cooperative institution owned by its members. The credit union was established for the purpose of encouraging thrift, creating a source of credit at a fair, reasonable cost, and providing an opportunity for members to use and control their own money in order to improve their economic and social conditions.    PHILOSOPHY & STRUCTURE Credit unions are democratically owned and controlled institutions based on 'people helping people' principles. Credit union boards of directors are elected by members; each member has an equal vote, regardless of how much he or she has on deposit. Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates and lower cost services.  MESSAGE FROM CEO  As a member-owned, not for profit financial cooperative, SRFCU is committed to our membership. We will uphold our fundamental responsibility to actively serve people within our field of membership and as appropriate, the communities they live in. We will treat all members with respect and dignity and we will offer honest, fair rates to all members at all times. We will deliver a range of low cost products and services to the diverse economic and social make-up of our members and potential members. we will look for better ways to reach out to the underserved in our field of membership. We will continually, in all facets of operations, demonstrate the value of membership in SRFCU. We will monitor and communicate our services to members in a meaningful way so our members, potential members, legislators, regulators and the community at large will understand and appreciate the unique role a member-owned financial cooperative plays in their lives. Throughout SRFCU's strategic plan, we will put forth every effort to enable our members to become financially self-sufficient and successful. We will place high importance on our consumer education and the teaching of financial thrift.