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"Not for Profit, Not for Charity, But for Service"

"Liverpool Central Schools Federal Credit Union was chartered in December 1956 to serve the Board of Education of the Liverpool Central School District, employees of the district, credit union employees and the immediate families of such organizations. It was later amended to include employees of the Liverpool Public Library, Junior & Senior Liverpool High School students and each of their immediate family members. The current membership is over 3000 members and growing."

Unlike other financial institutions, a credit union is a "not for profit" financial cooperative. Once you deposit money into a share account at the credit union, you become a member and an owner. Every member is an owner with an equal vote. There are no stockholders, and earnings are returned to the members in the form of lower loan rates, higher rates on savings or invested back into the credit union in the form of additional services requested by the membership. Credit unions are the only type of financial institution that are democratically controlled: one member, one vote.


           

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