When you join St. Francis Credit Union you become a Member and not a customer. This is an extremely important difference as it means you are a part owner of the Credit Union with equal rights to vote and participate in decisions affecting the Credit Union.
Membership brings with it rights as well as responsibilities. The money you save is held as shares and it is this pooling of shares that creates the loan fund from which you and other Members can borrow. When borrowing, it is important that you borrow wisely ensuring that you protect your shares and the shares of your friends, family and neighbours.