Even though we offer similar products and services as traditional banks, we're fundamentally different. Our customers aren't just customers; they're members, and as members, they're also owners. This unique structure drives our singular focus: helping our members and the communities we serve thrive financially. Our local Board of Directors, elected by our members, ensures that our decisions are always in YOUR best interest. Plus, any excess earnings are reinvested back into our members' pockets through patronage shares, lower loan rates, and higher yields on deposits. That's the Kawartha difference and the credit union advantage—where members and their community benefit.