What's the difference between
banks and credit unions?
Credit unions are not-for-profit financial institutions that exist for the sole purpose of serving their community.
Purpose
Banks exist to make a profit, while credit unions are not-for-profits that exist to serve their members.
Ownership
Banks are are owned by shareholders, and credit unions are owned by their members. A credit union’s Board of Directors is elected by the members, and each member of the board serves on a volunteer basis, receiving no compensation.
Rates
Banks will try to keep dividends low and interest rates high to turn a profit for their shareholders. In a credit union, the members are the shareholders, so any profit is returned to members as higher dividends and lower interest rates.
How do you protect my funds?
We take our responsibilities to our members very seriously, including the responsibility to protect your money. We insure your deposits up to a combined $250,000 through the NCUA
Questions?
We'd love to talk about who we are and what we do.
Don't hesitate to get in touch.
Click
Bank online 24/7 using online banking or the mobile app
Call
Bank over the phone 24/7. Call 909.809.3837
Visit
Find your nearest branch or ATM using our Branch Locator
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Rates effective as of: November 9, 2024
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