In order to offer competitive interest rates, Clean Energy Credit Union emphasizes a lean business model. It operates solely online and via mobile devices, and has no brick-and-mortar branch offices. It offers phone and online support to assist members with questions, and it streamlines member communications by corresponding electronically (also thereby saving any paper associated with hard-copy account statements). All of these measures contribute to an efficient and cost-effective operation, thus keeping overhead as low as possible. Savings in overhead are then passed through to members in the form of better interest rates.