How is a credit union different than a bank? DOCFCU exists to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside shareholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees. In addition, DOCFCU is an economic democracy. In a credit union, every member is also an owner. And each member has equal ownership and one vote-regardless of how much money they have on deposit. .