We are a not-for-profit financial institution, which means profits go back to you, our members, in the form of new services, better rates, and lower fees. When you open an account, you have a share of ownership in Lauderdale County, and your voice matters.

We are managed by a group of democratically elected Members who make up your Board of Directors. Their job is to guarantee that we always operate in your best interest. In contrast, a publicly-held bank may have a Board of Directors who place a higher value on providing returns for shareholders over your financial needs.