What makes credit unions work – the 5 “P”s

• People – to start it
• People – to join as owner-members
• People – to help run it in a variety of unpaid voluntary roles
• People – to manage it on a day to day basis “24/7 – 365”
• People – to take the ultimate legal and custodial responsibility for it

What’s in it for the owner-members?

Secure low risk savings; a source of loans with clear and fair conditions and regulated repayment terms; being part of a community enterprise where every owner-member is an equal owner of it!