Top 10 Reasons to join a Credit Union

1. Credit unions are safe, friendly places to access affordable financial services.

2. Credit unions in America have been offering a full range of financial services, giving members greater flexibility to meet their individual needs for over a hundred years.

3. Credit Unions are not-for-profit co-operatives. Members help members by pooling their money, which is then available to lend to their fellow members.

4. Credit Union income, after expenses and reserves, is returned directly to members in the form of lower rates on loans, higher dividends on savings and many no-fee services.

5. Credit unions are democratic, member-owned financial cooperatives. Each primary member, regardless of account size in the credit union, may run for the board and cast a vote in elections.

6. There is no select group of shareholders or owners that profits more than anyone else. All members profit, individually and collectively

7. Credit unions exist to serve their members and communities. Credit unions offer members much more than financial services. They provide members the opportunity to own their own financial institution and help them create opportunities such as starting small businesses, building family homes and educating their children.

8. More than 85 million Americans belong to Credit Unions. Research shows that consumers are more satisfied with Credit Unions than with any other financial service providers.

9. Your money is safe and secure at the credit union with your deposits being protected up to $250,000 by the National Credit Union Administration (NCUA). The NCUA is the federal government regulator and insurer for credit unions. The insurance they provide protects you against any loss due to the failure of the institution.

10. You too can join a credit union. Many credit unions are open to the community.