Want to lower your borrowing costs, increase your savings and cut your fee expense? Then join Central Credit Union. We're a full-service, not-for-profit financial institution, and we want to help you and your family achieve your financial goals while giving you the prompt, personalized and professional service you deserve. Unlike a bank, Central Credit Union is a not-for-profit cooperative owned by its members and managed by a full-time professional staff for the exclusive benefit of its members. There are no stockholders, so after paying operating expenses and setting aside reserves, remaining income is returned to members in the form of lower loan rates, higher-paying dividends, reduced fees and enhanced services. We are governed by a volunteer Board of Directors that is composed of members elected by members. That means we have one simple purpose: to promote your financial well-being. For a complete list of our savings, loan, investment and financial literacy products and services as well as membership information, please visit our web site. Membership is available to Illinois residents, employees of the credit union's select employee groups and family members of existing members. We look forward to helping you manage your finances more effectively and prepare for the future. Savings in this credit union are federally insured by the National Credit Union Administration.