Don't let the latest news about bank seizures put you in a panic. Your deposits are very secure at a Federally Insured Credit Union.

Here's why:

1.  As a financial cooperative, we answer solely to our member/owners - people just like you who work hard to provide for their families. We protect and look after your interests, not those of independent stock holders. We are a not-for-profit cooperatives with a Board of Directors elected by you and other members.

2.  Although we participate in the real estate market, we have not made sub-prime loans. We have not lowered our underwriting standards and always get full documentation support for borrowers' income and employment. We are interested in sustainable home ownership and work to ensure that our borrowers are stable for the long-term.

3.  Because we are a Federal Credit Union, we are required to hold more capital than a bank.

4.  Your regular savings are insured for up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF) which is backed by the full faith and credit of the U.S. Government.

5.  Your IRA savings are insured separately for up to $250,000 by the NCUSIF which is backed by the full faith and credit of the U.S. Government.

6.  The NCUSIF is better capitalized than the FDIC because it has had fewer, smaller losses than the FDIC historically, and because the size of most credit unions is smaller than most banks. For more information about share insurance, please visit the NCUA's website at www.ncua.gov.

Remember, Banks are in it for their interest, and Credit Unions are in it for yours!