YOU ARE THE CREDIT UNION DIFFERENCE WE’RE NOT FOR PROFIT. WE’RE FOR YOU. Chances are, you’ve probably noticed it: Credit unions are just different. From our exceptional rates and low fees to the wealth of convenient services we provide, we’re unlike any other financial institution. That’s because of our unique not-for-profit structure. It lets us do things and offer things that no other financial institution can do or offer. It lets us focus on serving you, the member. In short, it lets us maintain a bottom line not of profits, but of people. At Utah’s credit unions, the difference really is you. YOU OWN THE PLACE. Credit unions are owned by their members. It’s just part of our structure. That means you call the shots. It means you have a say in how a major part of your life — your finances — are run. So rather than having to answer to corporate stockholders, we answer to our members. Just let us know how you’d like the furniture arranged. Because after all, you own the place. WE WERE BUILT THIS WAY. From day one, our bottom line has always been you. It’s just how we were built. Organized to be a not-for-profit cooperative with democratic principles, credit unions are made up of people working together to achieve a better life for themselves and their community. And with a philosophy like that, it’s really no wonder why people love their credit unions. GO ON, DISCOVER THE DIFFERENCE. The difference is you. If you’re a member of a credit union, you’ve already discovered that. Way to go. If you’re not, take a moment and check into the unique benefits we offer. For more information on the credit union difference, or to find a credit union in your area, visit us online at www.thedifferenceyou.org.