Keypoint credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at competitive rates of interest, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, keypoint credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefit, or service of the credit union being distributed to its members as patrons.