It seems like these days everyone is looking to save money and engage in an authentic, local community experience. Credit unions provide all of that and more.

Today’s credit unions are your hometown financial service provider that can do everything the big banks can, but with real, personalized service that meets your individual needs.

What Makes Credit Unions Different?

As an account holder-owned, cooperative financial institution, credit unions exist to serve their account holders and community, not some distant corporation that just can’t be in touch with local needs. From surcharge-free ATMs to community-focused cooperative banking, credit unions just can’t be beat when it comes to connecting on the local level and saving hard earned money.

Why Should You Join a Credit Union?

Because credit unions are account holder-owned, they have a rich assortment of advantages banks just can’t offer.

This includes lower interest rates on mortgages and loans, low or no-fee credit cards with lower interest rates, higher interest rates on savings accounts, and more!

And because credit unions are also focused on your geographic region, workplace and other aspects of your community or life, they offer personally tailored service that recognizes that you are an individual, not an account number.

And remember, credit union profits come right back to account holders in the form of dividends and higher returns on savings. That means the credit union is working for you, not some faceless board of directors somewhere.

Credit Unions Protect Your Money

Credit unions adhere to traditional investment practices designed to safeguard and grow your investment(s) in rational ways. They also live within their financial means and put the needs of you and your fellow account holders first. Isn’t that a nice change of pace from dealing with a big bank?

The Credit Union Difference.

Credit Unions


Members are owners.

Owned by shareholders.

Members server on the board of directors.

Shareholders server on the board of directors.

Board members are volunteers.

Board members are paid to serve.

Non-for-profit organizations.

For-profit organizations.

Earnings are returned to members in the form of higher savings rates, minimal fees and lower loan rates.

Profits are paid to shareholders.

Typically have more fees and higher loan rates.

Service driven.

Profit driven.

Decisions are made locally by people who live and work in the communities served.

Headquarters and decision makers could be located anywhere.

Deposits insured by NCUA up to $250,000.

Deposits insured by FDIC up to $250,000.