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Credit unions live out their ‘People Helping People” philosophy everyday and truly in times of disasters. The cooperative structure of credit unions, not their size or range of services, is the reason for their tax exemption – and why nearly three million Illinois residents call them home. Owned and democratically controlled by the people who use them, credit unions help members reach day-to-day financial goals and provide unwavering support during crucial times. After finding itself at the epicenter of the November 17 tornadoes, CEFCU’s Washington branch immediately served as a command center. The next day, the credit union donated $100,000 to the local Red Cross and collected funds at all Illinois member centers. Staff also contributed personal funds. Recognizing that the security of personal financial information was potentially compromised, CEFCU offered one free year of credit monitoring to all members impacted by the storms. CEFCU also established a response team for comprehensive member service, hosted a homeowner seminar, waived fees, rushed check orders, replaced debit and credit cards overnight at no charge, and opened its Washington branch two Sundays to provide extended service hours. People before profits – the one credit union principle that remains constant – and highly valued by their members.