Many persons may not be aware of what is a Credit Union, particularly our younger members. It is actually a legal financial institution which offers members the benefit of a co-operative society and is an alternative to a Bank in many ways. When entering a financial relationship with any organization, one should look at the spectrum of financial vehicles which are available to fulfil your long and short term financing and credit needs. These vehicles include Banks, Insurance companies and other financial institutions. Many of our Presbyterian businesses have made credit unions their source of financing for their small and medium-size business.