In today’s competitive financial market, every financial institution is trying to lure customers with new high tech services and new financial instruments to attract new money. DOY is not in the market to do anything other than provide its savers with the highest possible dividends, provide its borrowers with the lowest possible interest rates, and provide all its members the best and friendliest possible service. DOY does not pretend to be a bank nor tries to provide all the services a bank has to offer. This is why you cannot find a better place than DOY for savings, checking, and borrowing. DOY is not driven by the profit motive. There are no outside shareholders to satisfy. All earnings are returned to the membership in the form of lower rates on loans, higher dividends on savings, and/or better service for its members.