If you're interested in learning more about SACU, you are in the right spot. We have a lot to tell. We have over seven decades of history. We know things like who our first president of the board of directors was in 1935. His name is H. A. Bardwell. We care about those little details, because we, the members, are the details. SACU is and has always been owned, governed and directed by its members. Our staff is equally as impressive. SACU employees provide members with exceptional customer service and, as a member, you will always have access to information on the latest development within the credit union. a couple standing arm-in-arm in front of a crowd

The Bank of Nova Scotia, together with its subsidiaries, provides various financial products and services in Canada and internationally. It operates in three segments: Canadian Banking, International Banking, and Scotia Capital. Its Canadian Banking segment provides retail and small business banking products comprising mortgages, loans, savings and retirement products, credit and debit cards, investments, insurance, and day-to-day banking products to individuals and small businesses; wealth management services consisting of personal investment and advisory products and services, which include retail brokerage, mutual funds, investment management, private banking, and estate and trust services; and commercial banking services, such as products for agriculture, franchising, leasing, real estate and automotive lending, and tailored financing solutions medium to large businesses, as well as deposit and cash management services.

CNB Corporation is the holding company for Citizens National Bank of Cheboygan, which serves individuals and local businesses through more than five branches in the northern reaches of Michigan's Lower Peninsula. Serving the counties of Cheboygan, Emmet, and Presque Isle, the bank offers standard fare such as checking, savings, and money market accounts, CDs, and IRAs. CNB Mortgage, a subsidiary of the bank, handles residential mortgage lending activities, which account for approximately half of the company's loan portfolio; commercial mortgages make up most of the remainder. Bank affiliate CNB Financial Services provides insurance and financial planning. Citizens National Bank was founded in 1931.

Banco Internacional de Costa Rica, S.A. offers business banking services (its main focus) like checking and money market accounts and foreign trade financing. Personal products include loans, checking and money market accounts, debit cards, and CDs. BICSA can also buy and sell currency, set up and administer trusts, issue credit cards, and conduct foreign currency trading. With offices in Costa Rica, Guatemala, Nicaragua, El Salvador, Panama, and the US (Miami), the bank serves its international clients with checks drawn on foreign accounts. BICSA is owned by the Costa Rican government.

Established in 1921, the Michinoku Bank is a regional bank offering financial services in the Aamori Prefecture in Japan. With about 120 branches and eight consolidated subsidiaries, Michinoku Bank offers traditional banking products, as well as real estate management and staffing supply services. With its "family bank" business approach, the company targets individual retail customers, as well as small-to-medium-sized businesses. It has key subsidiaries in Hong Kong and Shanghai. Michinoku Bank was also the first Japanese bank to open a subsidiary in Russia when it launched The Michinoku Bank (Moscow) Ltd. in 1999; it is now selling that operation to Mizuho Financial.

WSB Holdings was formed in 2008 to be the holding company for The Washington Savings Bank, a thrift with about five branches and a loan production office in Maryland's Baltimore/Washington, DC, corridor. Targeting middle-class consumers and midsized businesses, it offers standard deposit services such as checking savings, money market, and retirement accounts, and certificates of deposit. Although the bank has traditionally focused on single-family mortgages and construction loans, it has diversified its loan portfolio amid the troubled housing market; commercial loans now account for the largest portion of its portfolio. Chairman William Harnett owns more than 40% of WSB Holdings.

Bank of India is one of the nation's largest private banks. The bank has around 2,900 branches in India and about 30 foreign offices in the Channel Islands, China, France, Hong Kong, Indonesia, Japan, Kenya, Singapore, the UK, US, West Indies, and Vietnam. International operations account for about 20% of the bank's business. Besides savings, checking, credit cards, and ATM services, the bank offers personal loan services including mortgage, car, and vacation loans. The bank's branches specialize in different areas: corporate banking (credit) overseas branches (foreign exchange), NRI offices (expat Indians). Other branches offer capital markets operations, asset recovery, and agriculture and lease financing.

Bank of Scotland (Ireland) brings commercial banking services from the Scottish Highlands to the Emerald Isle. The bank provides such banking services as commercial loans, commercial and asset finance, and investment services. In 2006 it launched a retail banking division, Halifax, with such offerings as mortgages, personal loans, credit cards, and savings products. The bank has more than 40 locations throughout Ireland. Halifax was launched via Bank of Scotland (Ireland)'s purchase of ESB's retail outlets in 2005. In 2009 Bank of Scotland (Ireland) became part of Lloyds Banking Group, which was formed by the merger of Lloyds TSB and the bank's former parent, HBOS.

KAS Bank provides a variety of banking services across Europe, including securities and management information services for institutional investors (pension and investment funds, asset management, insurance companies) and for other banks and brokers. KAS's core activities, which are mostly automated, include custody, clearing, and settlement services. Founded in 1806, KAS has offices in Amsterdam, London, and Germany, and it connects directly to stock exchanges in Dubai, Hong Kong, and the US. The company has been growing its valued-added services, and in 2008 it began offering complete back-office outsourcing services. The next year it bought the fund administration business of Deutsche Postbank.

KB Financial Group, holding company for Kookmin Bank, provides commercial and consumer banking services in South Korea. It offers asset management and life insurance through alliances with Netherlands-based ING Groep. The bank's lending activities mainly entail residential mortgages, home equity loans, consumer loans, and corporate loans. Kookmin Bank has more than 1,200 branches in its home country, where it claims some 26 million customers, or about half of the population of South Korea. The bank provides corporate services such as foreign exchange and securities trading from offices at home and abroad in New York, London, Hong Kong, Tokyo, and Auckland, New Zealand.

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