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.
- 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
- 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
- Geographic area of your home or work
- 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!