Welcome to Leading Edge…
People First. Always Local.

Yes. Federally Insured by NCUA means your money is insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Association.

A credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit Unions serve groups that share something in common, such as where they work or live. Credit Unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates. While most financial institutions are owned by stockholders, a credit union is owned by its members. Each credit union member owns one “share” of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues such as the election of member representatives to serve on the board of directors or the supervisory committee.

The primary purpose is to encourage members to save money. Another purpose is to offer loans to members. Credit unions can charge lower rates for loans, as well as pay higher dividends on savings, because they are non-profit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

No, only one checking account is allowed per member.