Since 2006, Clifton Hill/North Fitzroy Community Bank® has contributed over $3 million to around 200 community organisations including schools, and sports clubs. Interest rates, product range and convenience generally rate as important factors in deciding on a financial provider for your business or personal banking. This is not surprising since each of these factors potentially impact on our household or business income. Very few of us would have taken into consideration the way in which financial providers distribute the profits they accrue from our community’s banking business- and understandably so. Before our Community Bank® branch was established, we had no real say in where the profits generated from local Bank branches went. Profits were controlled by each Banks’ head office. A small percentage of the profits generated from our combined banking business was reinvested back in the community for productive use. If you own a small business, the success of your venture may well depend on the state of the local economy. As a local community resident, the quality of services and facilities available in your district and the value of any land you may own depends very much on the local economy. Whilst our Community Bank® branch offers a full array of banking products at competitive interest rates as well as providing friendly, professional and personalised service to all our customers, we also provide you with an opportunity to contribute to securing a prosperous future for your community. In addition, you can have a say in the distribution of profits generated from our community’s banking business. The Community Bank® branch model entitles our community to participate in the net profits from the branch.