We are not focused on profits or paying dividends to shareholders. Our members are our priority, so all profits are reinvested into our organisation – and members directly benefit.

There are several key initiatives we have taken to ensure the financial wellbeing of our members, including:

• engaging in responsible lending practices to help to ensure members don’t over extend themselves and detrimentally affect their financial security
  
• provision of independent financial counselling to members who are experiencing financial hardship
  
• regular reviews of our financial product range and introduction of new products in response to member feedback
  
• competitive interest rates
• lower fees.