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As a credit union, we’re organized differently than other financials. Power Co-op Employees Credit Union is a not-for-profit financial cooperative owned by our members. That means all net earnings are returned to members in the form of lower loan rates, higher share dividends, and low- to no-fees. PCECU is also governed by a volunteer board of directors who are elected by our members. Each member has one vote in the election for our board regardless of how much money that individual has on deposit.