The Credit Union Difference

As a not-for-profit institution, we offer our members more bang for their buck. Rather than focus on personal gains and paying shareholders, we pour any gains back into the credit union — essentially back to the people. That money is used to provide you with higher rates on savings and lower rates on loans.

Credit unions have a different approach to financial services. Credit unions are cooperatives. Once you open a savings account, you become a member and owner of the credit union. You have a say in how the credit union is run and can even serve on the board of directors.

Since credit unions are not for profit, all excess profits are returned to the members in the form of products and services. This allows us to offer:

      Lower interest rates on loans

      Higher dividend rates on savings

      Fewer fees

      Free checking and convenience services

Credit unions exist solely to provide you with financial products and services at the lowest cost possible. And with an Exceptional Member Experience.

Get the difference?

It’s time you took advantage of all your credit union has to offer. Contact us or apply for membership online today!

Thank You to Our Members


To our current members: we’d like to thank you for placing your trust in us throughout the years. We’re proud to say that we’ve grown to a full-service financial institution to address the full spectrum of your needs. If you’re new to the Destinations experience or you’re considering becoming a member, please explore our rich history, what makes us different, why our current members love us, and also how to become a member. We invite you to a banking experience beyond the typical confines of a “bank.” Banking Smarter…Moving Forward with the help of a credit union that functions for you.

Our CPA firm, Yount, Hyde & Barbour, P.C. (YHB) is conducting a member verification as part of the annual audit of the Credit Union. If your account is selected for confirmation, a letter will be mailed from YHB's Winchester Virginia office, and will request that you respond to that same address using a postage - paid self - addressed envelope. We encourage you to respond to this confirmation request to ensure an efficient audit process. Thank you for your cooperation. OUR SATYR HILL BRANCH IS ACCEPTING NEW, UNWAPPED TOYS FOR THE MARINE TOYS FOR TOTS FOUNDATION NOW THROUGH DECEMBER 12TH.