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The Credit Union Difference

Credit unions are not-for-profit financial institutions created to serve their Members financial needs. They are owned by their Members and democratically governed by a board of directors. Their mission to serve consumers and not-for-profit, cooperative structure earns credit unions a federal tax exemption. As a result, Members see earnings as higher savings returns, lower loan rates and lower, fewer fees. Credit unions serve a common membership field based on characteristics such as a geographical area, employee groups, or membership in an organization. Becoming a credit union Member is simple and easy.

Our main focus is our Members and our local community.

Credit Unions vs. Banks

The Value of 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.

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Credit Union Advocacy

Speaking up in the political process is a big part of credit union history. There are various ways you can ask your elected officials to support credit unions nationwide, and your voice is important!

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