The biggest difference is that as a credit union, True Sky is not-for-profit – we give back a large portion of our income to members through annual dividend bonuses and interest rebates, lower rates on loans, and higher dividends on deposits. In 2017, this amount totaled $113,508. Banks have customers; we have members, who are invited to vote for the volunteer board of directors at our annual meeting. We offer the same products and services as a traditional bank, as well as the latest in technology and account access.