What is a Credit Union?

Credit unions are not-for-profit organizations that exist to serve their members. Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.

Credit unions operate to promote the well-being of their members. Profits made by credit unions are returned back to members in the form of reduced fees, higher savings rates and lower loan rates.

Members often have shared interests and appreciate participating in an institution designed to help other members. The credit union philosophy is members helping members. Many members of credit unions like knowing their savings will help other members get mortgages to buy homes and loans for new cars.

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