Firefighters Community Credit Union is a cooperative, owned and operated by its members. This is what distinguishes FFCCU from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services. FFCCU is governed by a Board of Directors that establishes and reviews policy. The directors are Credit Union members who are elected by the membership and serve on a volunteer basis. Every member has one vote, regardless of how much he or she has on deposit. At FFCCU, there is no select group of shareholders that profits more than anyone else. All members profit, individually and collectively.