The Credit Union Difference
Own your money
with lower fees and better rates.

Learn More

1. What's In It For You? Credit unions...

        • Help you save, borrow and access your money just like you would at a bank—most have all the same services that banks have (but with better deals for
        • Let you keep more of YOUR money with lower fees and better rates!
        • Improve members’ live and communities with consumer-friendly products and financial education.
        • Follow safe investment practices and lend responsibly.
        • Are NOT owned by stockholders or controlled by out-of-town corporate offices…they are owned by the members like you who have accounts there!
        • Are governed by a volunteer board of directors, elected by its membership. Any member may pursue a spot on a board or committee.

 

2. Most Credit Unions Offer...

        • Credit cards with low or no annual fees and low interest rates.
        • Direct deposits, payroll deduction, ACH and wire deposits – many work right with your employer for faster posting of pay.
        • Financial education and counseling services.
        • Higher dividend rates on savings accounts, term certificates of deposit, IRAs, and money market accounts.
        • Low-cost or free checking with low or no minimum balance requirements.
        • Low interest rates on mortgages, home equity loans or lines of credit, and vehicle and personal loans.
        • Access to ATMs and nationwide ATM networks for free withdrawals.
        • Easy access to your money with online banking, bill payer, mobile banking, and e-statements.

Your credit union savings are federally insured up $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA), a U.S. Government Agency regulates and supervises all federal credit unions. Credit unions also provide excess share insurance or private insurance for their account holders.

 

3. There's a Credit Union for Everyone

Each credit union serves a "field of membership" that's made up of people with something in common. You may be eligible to join one or more credit unions based on your:

        • Family members who already use a credit union
        • Employer/workplace
        • Geographic area of your home or work
        • School
        • Place of worship
        • Membership in an organization

Use the advanced search capabilities in our Credit Union Finder to find a credit union that's just right for you. You'll be surprised at how many credit unions you can join!

 

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