We provide all the benefits of a member-owned financial institution and welcome all businesses, other legal entities, and persons who live, work, worship, volunteer or attend school in; Wayne, Appling, Liberty, Long, Jeff Davis, Bacon, Glynn, McIntosh, Pierce, and Tattnall Counties. As a full-service financial institution, we: are a not-for-profit, member-owned cooperative; Any earnings we make are returned to members in the form of lower interest rates on loans and higher dividends on deposits, and low-cost or free financial products and services; Provide security for funds: accounts insured up to $250,000 by the National Credit Union Administration, a U.S. government agency; offer free online banking, mobile banking; provide dependable, friendly, personalized service; provide access to a shared network of branches and ATMs nationwide; offer complimentary financial counseling, budgeting services, and financial education tools.