The credit union operating principles are founded in the philosophy of co-operation and its central values of equality and mutual self-help. At the heart of these principles is the concept of human development expressed through people working together to achieve a better life for themselves and their children.

• Financial co-operative.
• Democratic Control, Owned and operated by its members (one person = one vote).
• Open and voluntary membership.
• Not for profit making organisation.
• Not for charity but to service the needs of our members.
• To encourage thrift through saving regularly.
• Members can borrow at low interest rates (1 % per month on a reducing balance).
• Educating our members in money management.
• Non discrimination in race, religion and politics.
• Promoting credit union philosophy and methods to our members and volunteers.
• Social Responsibility - continuing the ideals and beliefs of co-operative pioneers, Credit Unions seek to bring out human and social development.

(Adapted from the World Council of Credit Unions)