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Find a Credit Union® to Join Today

hat is a Credit Union?

Credit union members see higher savings returns, lower loan rates and lower, fewer fees.

Their not-for-profit, cooperative structure -- and special mission to serve consumers -- earns credit unions a federal tax exemption. Members see earnings as higher savings returns, lower loan rates and lower, fewer fees.

Credit unions serve field of memberships

Credit unions serve a common field of membership based on characteristics like a geographical area, employee groups, or membership in an organization.  Becoming a member is simple and easy. 

Credit unions are not-for-profit, member-owned financial institutions

Credit unions are not-for-profit, member-owned financial institutions that exist to serve the financial needs of their member owners.  Their main focus is their members and their local community.

Credit unions are owned by their members

Credit unions are owned by their members and governed in a democratic way by a volunteer board of directors who are also members of the credit union.

ow is a Credit Union Different from a Bank?

Credit Unions vs. Banks

Not for profit.
  For-profit corporations that offer a full range of financial products and services.
Earnings are returned to members through services like free ATMs, better rates and lower fees.
  Earnings go to outside stockholders in the form of dividends.
Insured by NCUA up to $250,000.


Insured by FDIC up to $250,000.
Credit unions are democratically governed, and elections are based on a one-member, one-vote philosophy.
  Banks are governed by paid shareholders. Voting rights depend on the number of shares owned.
More than 30,000 surcharge-free ATMs.
  Banks require customers to use their branded ATMs and branches for services or pay fees. Some services are unavailable outside the bank.
Credit unions are local, community based financial institutions. Members support their local communities when they bank at a credit union.
  Banks are big!  The average size of a bank is double that of a credit union. 
Credit unions have members, not shareholders.
  Banks have customers and shareholders.  They must make money from their customers to please shareholders.


he Value of Membership

Value of Credit Union Membership    


A Sense of Loyalty - Credit union members often feel a stronger sense of loyalty and a familiar connection because of a shared sense of community.

Better Rates and Lower Fees - A credit union's bottom line is to benefit its membership; earnings are returned through lower loan rates, higher savings rates and contributions to offset fees.

Invest in Financial Education - Because credit unions aren't focused on making a profit, they value educating each of their members on which financial option would be best for their situation rather than what would better the credit union.

A Personal Touch - Many credit unions are willing to work with their members through unexpected (or unforeseen) circumstances to benefit the member and their community.

CCESS yOUR mONEY Anywhere, any time

Most credit unions offer remote access via online and mobile banking on your smartphone or tablet, for example.

CO-OP ATM Finder
CO-OP Shared Branch Locator
CO-OP Locator

Most credit union members have access to a network of over 30,000 surcharge free ATMs nationwide.

Most credit union members can utilize more than 7,000 shared service centers nationwide because of the collaborative nature of credit unions.

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