Harney County Federal Credit Union is a 61 year old credit union serving low-income residents of rural Harney County, in eastern Oregon. Harney County FCU offers an array of deposit and lending services such as checking, savings and money market and consumer loans. The credit union"s agriculture loans, in particular, represent an important product in its market, since it is able to make loans too small for conventional lenders to service in a cost-effective manner but are critical for the livelihood of small ranchers in the County.