Credit Union income, after expenses and reserves, is returned directly to members in the form of lower rates on loans, higher dividends on savings and many no-fee services. Every primary member has a vote for the credit union’s Board of Directors, regardless of how much he or she has on deposit. There is no select group of shareholders or owners that profits more than anyone else. All members profit, individually and collectively. More than 85 million Americans belong to Credit Unions. Research shows that consumers are more satisfied with Credit Unions than with any other financial service providers.