About Credit Unions

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.


What is a credit union?

A credit union is a not-for-profit financial cooperative. Unlike banks and other financial institutions, credit unions return profits to members in the form of fewer fees on services, lower rates on loans, higher returns on savings and personalized service.


Who belongs to credit unions?

Credit unions serve a common field of membership based on characteristics like a geographical area, employee groups, or membership in an organization. Becoming a member is simple and easy. BECOME A MEMBER.


Who owns a credit union?

The democratic nature of credit unions allows all members to have an equal voice. Each person who deposits money in the credit union has a share of ownership, and these members elect the Board of Directors that controls the credit union.


Safe, sound & secure.

The National Credit Union Administration insures federal credit union deposits up to $250,000 per individual depositor, the same as FDIC protection for bank account.


Credit unions benefit communities & members

Credit unions have repeatedly proven that their philosophy of “people helping people”is an everyday way of doing business.


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Find out if WINcentive Savings accounts are available at your credit union

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