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Q. Why do I have to “qualify” for membership?

A: Credit unions are democratically run and each member has one vote. Members elect the Board of Directors who represent the members for strategic decisions and planning within the credit union. So, when you join a credit union, you get a say in how the organization operates.

Each credit union’s organizing charter defines who is eligible to become a member. Members have something in common, usually an employer or place of residence. Credit unions have a "field of membership," and a common bond that members have to share. Fields of membership can be defined by place of employment, church membership, or residence in a community, to name just a few ways.

Q: What is the difference between a Credit Union and a Bank?

A: Credit unions offer services like banks do, but there are some differences.

  • Credit unions are not-for-profit organizations. This means that any profit the organization earns beyond operating costs is returned to the members in the form of better interest rates, low or no fees, improved and expanded services and facilities. That’s why we can often offer higher interest rates on savings and lower rates on loans than banks can. The profit earned by banks is paid to owners and shareholders rather than to the bank’s customers.
  • Credit unions offer most of the same services that banks offer, but the services are named differently. A share draft account compares to a checking account, share certificates compare to certificates of deposit, and regular share accounts compare to savings accounts.

Q: Where can I find my account number?

A: Your account number comes after your routing number on the bottom of your check. It is before your check number on the bottom right corner.

Q: Can you help me find a deposit taking ATM?

A: Yes, click here for an ATM locator.

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