Your year-end gift, a 4 percent loan interest rebate and a 4 percent bonus dividend.

As a member, you help shape our story every day. When you save, borrow, or simply choose MembersOwn for the moments that matter, you strengthen the cooperative spirit at the heart of our credit union. To celebrate that partnership, we closed the year by giving back more than $250,000 to our members through two special year-end givebacks.

On December 31, we deposited both a 4 percent loan interest rebate and a 4 percent bonus dividend into eligible savings accounts.* This year-end giveback is one way we show our appreciation for staying connected with us throughout 2025.

Loan Interest Rebate

If you paid interest on a qualifying MembersOwn loan during 2025, you received a 4 percent rebate based on the interest you paid over the year.* It is our way to thank you for taking out your loan with us. Your rebate was automatically deposited into your savings account on December 31.

The more you used MembersOwn for your borrowing this year, the more your rebate reflected that partnership.

Bonus Dividend

Your savings were part of our progress this year too. Members who earned dividends on their savings accounts in 2025 received an additional 4 percent bonus dividend. We calculated the total dividends you earned for the year, then added some extra on top as a thank you for keeping your money with MembersOwn.

Your bonus dividend was also deposited into your savings account on December 31.

Thank You for Being Part of Our Year

In some years, when our credit union reaches an especially strong financial position, our not-for-profit, cooperative structure allows us to share a portion of that success with you as our members/owners. These givebacks are never guaranteed, and they are not something you find at many financial institutions.

When we are able to offer them, it is our way of saying thank you for choosing us.

All we ask is that you keep choosing us as your financial partner and share us with your family and your friends. As we approach 90 years of service in 2026, we are grateful for the trust you place in us and are excited for what comes next.

* Interest rebates and bonus dividends are based on yearly interest earned and loan interest paid. Only members who earned interest or paid loan interest during 2025 will earn a bonus. Member must be in good standing and not have a delinquent loan. Offline mortgages and credit cards not included in interest rebate.