Empowering customers, not enriching investors.
Opening a checking, savings or other account makes you a member. And that entitles you to receive a share of any surplus income as an annual dividend—money that banks pay to their outside stockholders.
Reducing fees and improving rates.
Because credit unions aren’t obliged to make a profit for stockholders, they can afford to reduce or eliminate many fees. And they can offer better rates on savings and more attractive terms on loans. Of course, most* accounts are federally insured up to $250,000.
Being there for you from coast to coast.
Credit unions that are connected by CO-OP are linked with other credit unions nationwide. Join any of them, and you can use nearly 30,000 surcharge-free CO-OP ATMs. You also can visit more than 5,000 CO-OP Shared Branch credit union locations to make in-person transactions, just like at your home branch.
Providing technology and service you deserve.
Along with checking, savings, loans and share certificates (similar to CDs at banks), your credit union can be your choice for debit and credit cards, mobile banking, online banking, and so much more.
*Contact your individual credit union for complete insurance information.
"I appreciated [credit unions] when I was a college student and found myself broke and incurring overdraft charges. I never felt embarrassed and always felt that they tried to work with me."
- David Weliver
Credit Union Member