What is a Credit Union? 

Credit unions are not-for-profit financial cooperatives serving members who share something in common-employment, association membership, or residence in a particular geographic area. More than 70 million U.S. consumers are member-owners of, and receive all or part of their financial services from, the nation's 12,047 credit unions. 

Philosophy and Structure 

Credit unions are democratically owned and controlled institutions based on "people helping people" principles. Members elect credit union boards of directors; 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. 

Your Staff and Volunteers 

Click on name to email staff member

Kay Willey Baker- CEO/Manager
David Kinnison - Assistant Manager
Brenda Beale - Office Supervisor
Judy Presley - Collection Manager
Barbara Gulledge - Member Service
Jennifer Craft - Loan Processor/Collection Assistant
Barbara Dearing - Loan Officer
Jannie Luckett - Head Teller
Valerie Linson-Truss - Teller
Misty Ainsworth - Teller
Lynn Echols Gates - Member Services/Director Marketing 
Ann Bowman - Teller

Volunteers: 

Board Of Directors :
John Baker - Chairman
Jim Hankins - Vice Chairman
LeVinso Collins - Secretary/Treasurer
John Shields
Jimmy Murphy
Steve Vernamonti
Al Ponder

Supervisory Committee:
Danny Williams - Chairman
Michael Murks
Willie Liddell, Jr.

Credit Committee :
Jesse Samuels - Chairman
Ben C Bell - Secretary
David Kinnebrew