Governed by a volunteer Board of Directors since 1977, Sb1 is a not-for-profit credit union owned by its members. Profits are returned to the members in the form of better rates, fewer fees and convenient technologies. Sb1 is one of the largest federally insured financial cooperatives in Philadelphia. Anyone who lives, works, worships or attends school in Philadelphia, south of Lehigh Avenue, can utilize Sb1 products and services. For more information please visit www.sb1fcu.org. Special Offers – Sb1 Members can receive .50 APR* off any newly opened Auto, Personal, or term Home Equity loans, or an additional .50% APY* added to any new Share Certificates/IRAs and could also receive up to $125. Details apply and can be found at wwww.sb1fcu.org/earn125. *APR = Annual Percentage Rate. APY = Annual Percentage Yield.