Reddy Kilowatt Credit Union offers financial services, including direct deposits and pre-authorized payments, online banking, and credit cards through Collabria Financial. Their target audience appears to be individuals and possibly businesses within their service area. The unique selling proposition (USP) of Reddy Kilowatt Credit Union likely lies in its personalized, community-focused approach to banking, providing local support and services tailored to the needs of its members. However, specific details about their services and USP are not explicitly outlined on the provided URLs.