Our network of financial services cooperatives

A cooperative is a group of people who get together to meet their own needs at the lowest possible cost by forming a group where power is exercised democratically.

When you become a member of a cooperative, you become a co-owner and you earn the right to vote at annual general meetings. And, since cooperatives follow the "one member, one voice" principle, your vote carries the same weight as any other member's vote.

A cooperative's profitability is not its ultimate goal; it is a means to help it achieve its true goal, which is to continuously strive to serve members.