A credit union is a not-for-profit financial institution run for the benefit of its members. Not only is a credit union a sound alternative to a bank, it is also member-owned. Most of the earnings of a credit union, after expenses and reserves, are returned to members in the form of high dividends on savings, low-cost loans and low-cost services. Clickfor a sampling of our low loan rates. The Campbell Employees FCU's Board of Directors meets monthly and is elected by the membership at the annual membership meeting.