Co-operatives are voluntary organizations, open to all persons able to use their services and willing to accept the responsibilities of membership, without gender, social, racial, political, or religious discrimination.

Co-operatives are democratic organizations controlled by their members, who actively participate in setting their policies and making decisions on the principle of one member one vote. Men and women serving as elected representatives are accountable to the membership.

Members contribute to and democratically control the capital of their co-operative. At least part of that capital is usually the common property of the co-operative. The co-operative’s surplus is either distributed to its members in proportion to their transactions with the co-op, or directed to other activities approved by the membership.

Co-operatives are autonomous, self-help organizations controlled by their members. If they enter into agreements with other organizations, including governments, or raise capital from external sources, they do so on terms that ensure democratic control by their members and maintain their co-operative autonomy.

Co-operatives provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their co-operatives. They also strive to inform the general public – particularly young people and opinion leaders – about the nature and benefits of co-operation.

Co-operatives serve their members and strengthen the co-operative movement by working in solidarity with other co-ops and national, regional, and international co-operative organizations.  

Co-operatives work for the sustainable development of their communities through policies approved by their members.

Vision:

To be our members' lifelong financial partner.

Values:

We continuously seek new ways of doing things.

We strive for excellence.

We honour our relationships with dignity and respect.

We collaborate in the pursuit of shared goals.

We make common sense decisions.