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In 1908, Monsignor Pierre Hevey, Pastor of Sainte-Marie's parish in Manchester, New Hampshire, organized what was soon to be known as the first credit union. The goal was to help the primarily Franco-American mill workers save and borrow money.

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Workers were expected to contribute ¼ penny in each shilling (around 2%) of their weekly wages to the club. Workin' 6 till 8 It is believed that the workers of Quarry Bank Mill worked a 14½ hour day with perhaps 80 to 90 minutes of breaks including one hour at dinnertime.

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