We are a not-for-profit financial cooperative. This means we make decisions for the benefit of all our customers, whom we call member-owners, because each one has a stake, or ownership, in our cooperative. Financial Access doesn't make a profit just to turn it over to anonymous shareholders. The money we earn is returned to our "shareholders" - our members - in the form of dividends and lower rates. Your money is well protected: funds deposited at FAFCU are covered by the National Credit Union Share Insurance Fund (NCUSIF). Not one member has lost a single penny of insured savings at this credit union - or any other one! Serving our community is just as important to us as serving our members. Financial Access FCU contributes funds to many charitable organizations and agencies, and our employees support a number of worthy causes through donations and volunteering.