Reddy Kilowatt Credit Union Ltd. is a financial co-operative and has been in operation since 1956. We are committed to providing a full range of financial products, services, and guidance for our members, enabling them to meet their financial goals. Committed to customer service excellence, Reddy Kilowatt Credit Union offers loans, lines of credit, mortgages, chequing, MasterCard® products, RRSPs, RESPs, online and mobile banking, market-driven investments, retirement planning and a surcharge-free ATM network larger than most banks. We also believe that small businesses contribute greatly to the local economy and are pleased to offer products that support the business needs of our members. Governed by a volunteer Board of Directors, elected from its membership, Reddy Kilowatt Credit Union is distinctly in tune with the financial needs of its members. With membership open to all residents of Newfoundland and Labrador, the employees of Reddy Kilowatt Credit Union take great pride in providing financial advice best suited to their members' needs. At Reddy Kilowatt Credit Union, all decisions are made locally by people who live in, understand, and are committed to the community. Simply put, Reddy Kilowatt Credit Union is banking that goes further.