People are joining credit unions at record rates. Our members know at the end of the day, they have a say in everything that happens with their money and future. It's why membership means so much to them. And that's something.

membership means ownership   A member's initial deposit is considered their share of ownership. They have a vote. They have a voice. The credit union exists solely to improve their finincial wellbeing. membership means members profit   Credit Unions are structured so its members can profit most. There are no outside shareholders. After expenses are paid and reserves set aside, surplus profits return to members through dividends, higher yields, favorable rates and free or low costs services. Click here to compare credit union loan rates with traditional banks nationally. membership means prudence   Our philosophy of prudent investing and money management is instilled in our members so they can achieve financial independence. Additionally, credit unions do not answer to outside shareholders, so they are not tempted to seek excess profits by gambling with their members’ money. membership means cooperative   Credit unions are cooperative banking institutions. Member deposits form a large reserve of funds readily available for lending at favorable rates. These funds are less subject to negative outside market forces.

membership means personal finance support   When a new member opens an account, they meet with a CU personal finance representative to discuss their goals and dreams. It’s personal financial support from day 1. Membership Means Social Purpose   Every credit union program is deeply rooted in your community. Its part of a localized philanthropic mindset that separates us from you know who. We use profits to teach financial education and literacy in schools. Our funds create scholarships for members with limited opportunity and provide financial services to underprivileged groups and small business owners. membership means simpler banking   For credit unions, the goal of making your banking and personal finances easier is an obsession. Click here to learn about simpler banking and more. membership means security   Credit union deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). The NCUA coverage for credit unions is the same as the FDIC coverage for banks. Both funds are backed by the “full faith and credit” of the U.S. government. This is the backbone of banking safety for consumers and it applies to your credit union savings, checking, money market, certificates, trusts or retirement accounts.