A credit union is a member-owned, not-for-profit, cooperative financial institution. When you bank at a credit union, you own a piece of it and have a say in how it's run. Each member can impact the direction of the credit union.

"I would definitely recommend Point Breeze Credit Union to anyone based on the excellent service we experienced. Also, the loan rates are tough to beat!"

- Member of Point
Breeze Credit Union

• Help you save, borrow and access your money just like you would at a bank—most have all the same services that banks have (but with better deals for you)!
• Let you keep more of YOUR money with lower fees and
  better rates!
• Improve members’ live and communities with consumer-friendly products and financial education.
• Follow safe investment practices and lend responsibly.
• Are NOT owned by stockholders or controlled by out-of-town corporate offices…they are owned by the members like you who have accounts there!
• Are governed by a volunteer board of directors, elected by its membership. Any member may pursue a spot on a board or committee.

• Credit cards with low or no annual fees and low interest rates.
• Direct deposits, payroll deduction, ACH and wire deposits – many work right with your employer for faster posting of pay.
• Financial education and counseling services.
• Higher dividend rates on savings accounts, term certificates of deposit, IRAs, and money market accounts.
• Low-cost or free checking with low or no minimum balance requirements.
• Low interest rates on mortgages, home equity loans or lines of credit, and vehicle and personal loans.
• Access to ATMs and nationwide ATM networks for free withdrawals.
• Easy access to your money with online banking, bill payer, mobile banking, and e-statements.

Your credit union savings are federally insured up $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA), a U.S. Government Agency regulates and supervises all federal credit unions. Credit unions also provide excess share insurance or private insurance for their account holders.

Find a credit union that works for you using our Credit Union Finder.

Each credit union serves a "field of membership" that's made up of people with something in common. You may be eligible to join one or more credit unions based on your:

• Family members who already use a credit union
• Employer/workplace
• Geographic area of your home or work
• School
• Place of worship
• Membership in an organization

Use the advanced search capabilities in our Credit Union Finder to find a credit union that's just right for you. You'll be surprised at how many credit unions you can join!