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In the late 1880's and early 1900's several associations were organized to make loans on homes and business property and to accept people's savings. Some of the names of these associations were Home Building and Loan Association, Johnson County Building and Loan Association and Buffalo Building and Loan Association. None of these associations were insured by the Federal Savings and Loan Insurance Corporation, and many were short lived.

The Cummins focus on innovation began with the company's creation in 1887. Much has changed since those early days, but our dedication to providing top quality products, backed by great service, remains the cornerstone of our company. Cummins is more than a company. It's a community -- a dynamic, global network of talented people, loyal customers and progressive leaders -- all dedicated to setting new standards of excellence in the handling and processing of money.

Delta Community Credit Union is a cooperative, owned and operated by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services.

Denmark Bancshares, Inc. operates as the holding company for Denmark State Bank that provides retail banking services to individuals, businesses, and farmers in Wisconsin. It offers various deposit products, including checking accounts and various types of time deposits; sells annuities, mutual funds, and other investment securities; and provides financial planning and miscellaneous banking services. The company also provides loans for business, agri-business, real estate, and personal use, which include first lien mortgages on one-to-four family residential properties

Desert Schools Federal Credit Union operates more than 50 locations in the Phoenix area, serving more than 370,000 members. Established in 1939 by a group of 15 teachers, the credit union offers traditional banking products and services, including checking, savings, and money market accounts, certificates of deposit, and credit cards. Its lending activities include home mortgage, vehicle, personal, and student loans, as well as business loans and lines of credit. Subsidiary Desert Schools Financial Services provides investment advisory, retirement, insurance, and tax planning services.

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