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As a credit union, we are a not-for-profit financial cooperative that exists to serve our members, not to make a profit. Unlike many financial institutions, we do not issue stock or pay earnings dividends to outside stockholders. Instead, earnings are returned to members in the form of great rates and lower fees. We are less likely to charge service fees than for-profit banks, and when we do charge, fees tend to be lower. We are motivated by the credit union concepts of open membership, democratic control, and returning profits to members, staying true to the credit union guiding principle of "people helping people." URW Community Federal and its employees are involved in city community programs, donating both time and money to outreach projects involving housing, employment, education, and the Credit Union Movement.
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