The credit union idea is a simple one: People should be able to pool their money and make loans to each other. Its an idea that evolved from cooperative activities in 19th century Europe.

Rockford Bell Credit Union was first organized in 1935 by a group of Rockford employees of Illinois Bell Telephone Company and their families. The Credit Union prospered for many years as an employee Credit Union for the local telephone company. The early history of this Credit union is marked by commitment to a concept of community and mutual support.