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America’s credit unions are full-service, financial institutions owned by the depositors, the members of the organization, and not by private investors, other institutions, or foreign organizations. Funds deposited and loans made help the members and their local communities.
Credit unions are not-for-profit, and exist to provide a safe and convenient place for members to receive better interest on their deposits, and obtain loans at reasonable rates. Additionally, members receive the dividends paid on successful operations, rather than outside institutions and non-depositors. Choosing a credit union as your financial institution is an investment in your future.
Like other financial institutions, credit unions are closely regulated and insured. An agency of the federal government, the National Credit Union Administration, manages the National Credit Union Share Insurance Fund (NCUSIF), insuring savings accounts up to $250,000.
Credit unions make a difference for their members and the communities they serve. aSmarterChoice.org, a project of the nation’s credit unions, was developed to help everyone understand that credit unions are the best option for consumers for conducting their financial business.
Search for a credit union that's right for you. Visit aSmarterChoice.org to discover a credit union that will serve you or your family, and discover the credit union difference for yourself.