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The Benefits of Credit Union Membership

Why should you join a credit union? Reasons to become a member

1. Credit unions are primarily focused on people, not profits. Credit unions operate by a “people helping people” philosophy.

2. Credit unions were created to service people from all walks of life and from all types of income classifications.

3. Credit unions help members become better-educated consumers of financial services. Most credit unions offer educational web casts to cover everyday topics from saving to purchasing your first home.

4. As not-for-profit institutions, credit unions offer higher rates on savings and lower rates on loan products and services. In some instances, credit unions will offer up to 3-4 % less than what other financial institutions offer.

5. Credit unions help each other. Most credit unions are a part of a shared service network, which means that you may go to other credit union branches to conduct transactions that you would normally do at your own credit union. See shared service centers at

6. As a member of a credit union, you are a part owner and have a voice at how your credit union is operated. Credit unions are run by a board of Directors. These directors are current members in good standing.

7. Although credit unions are typically viewed as small financial institutions, they are up to date with the latest technology such as internet banking and e-statements. Credit unions offer very personal service to their members.

8. Once you become a member, at most CU’s your family members will automatically become eligible to join your credit union. Once a credit union member, always a member, no matter if you move away or change employment.

January 18th, 2018

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