The Power of Ownership

Local Ownership and Control

Belonging to a credit union means that you are more than a customer - an owner - and as an owner you get to influence the progress of your business. There is a voluntary Board of Directors that you elect with your right to vote at the Annual General Meeting. All decisions are made locally, by people who live in and understand your local community. As neighbours, living and working in the same community, Valley Credit Union Valley Credit Unionoffers all the financial services you require with a big difference - pride in knowing all monies stay here in our own communities working for your own economic benefit. You'll enjoy a flexible approach to business and responsiveness to local concerns. All things being equal, why would you not choose a financial institution where the very ownership structure is designed to focus on, and is sensitive to, your needs?

Unique Benefits

Credit union members are both customers and owners. As a customer, you receive the services you want and as an owner you enjoy a return on your share investment in the form of competitive rates, value costs for premium services, and local control of your own financial institution.

Community Involvement

Valley Credit Union is uniquely positioned to support community development through:

· Loans to members and small businesses

· Investment to community projects

· Sponsorship of community activities and events

· Public education programs to foster personal financial well-being

· Employees active in the community as members of boards of trade, chambers of commerce, church groups, service organizations, charitable organizations, and numerous other activities

Service to Members

Our professionally trained, knowledgeable employees provide personal service and attention to members from service locations in Nova Scotia. Wealth Management Advisors are also available to visit you at home or at the office. Owners can choose to transact their business electronically through TeleService, ATMs, and MemberDirect Online Access.

Credit Union Potential

The ability of credit unions to return benefits to their members and communities is in direct proportion to the support they receive from owners in the community. Making Valley Credit Union your primary financial services provider means higher levels of service and greater benefits and rewards to both members and the community. We see ourselves becoming part of every family in the Annapolis Valley by establishing a relationship of trust with dependable, complete service for every financial need. Credit unions are part of a strong regional, national, and international network of credit unions.