SafeAmerica Credit Union is a non-profit financial cooperative, owned and operated by its members. Credit unions are not for profit organizations, unlike banks, which are in the business of making money for their shareholders. Membership entitles you to share as a "financial partner." Rather than paying stockholders, credit unions return earnings to members in the form of higher dividends, lower loan rates and reduced transactional fees. This means you can enjoy low cost loans and higher yields on savings and investment options. This is what distinguishes the Credit Union from other financial institutions.