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We're member-owned and operated so you'll always feel at home here. And, since we have no stockholders to pay, profits (after operating expenses) are returned directly to you and your fellow members, in the form of competitive dividend rates, low loan rates and reduced fees for services. Arrha Credit Union is regarded as the premier educational base credit union in the Western Massachusetts financial community. Originally chartered on October 5, 1929 with thirty-one original members. Today we serve those individuals who live or work in Hampden, Hampshire or Franklin counties.