Our credit union is a not-for-profit financial cooperative which makes it a better choice. You can bank on it.


The difference between credit unions and banks? It's like the difference between a mega-corporation and a neighborhood nonprofit. One always has its eye on the bottom line, while the other focuses on people rather than profits.


While banks and credit unions offer similar products and services, a bank's mission is to enrich its shareholders. In contrast, a credit union is a not-for-profit institution owned jointly by you, our member-owners. All earnings are funneled back into our financial cooperative and with your participation and relationship we provide members unparalleled benefits that include the Best Rates in the Nation Guarantee.*

Credit Unions and Banks. What’s the difference?



Frequently Asked Questions About Credit Unions


What is a credit union?

Credit unions are not-for-profit organizations that exist to serve our member-owners. Like banks, credit unions accept deposits, make loans and provide a wide array of financial services. Credit unions provide a safe place to save and borrow money at reasonable rates.

What is the difference between a credit union and a bank?

Credit unions are democratically operated by members, and the board of directors is made up of volunteers from the membership. Each member gets one vote, giving you an equal say in how the credit union is operated.

How are credit unions operated?

Credit unions are not-for profit, which means that any profits are returned to the membership in the form of better rates on loans and savings, lower fees, and improved services.

Find the answers to these questions and a whole lot more by going to our Financial Wellness center.

Ready to see a positive difference with your finances? Start with our online membership application. If you want to talk more about how UCU can assist you, please contact us.

Member Testimonial

"I love this credit union. I recently closed my accounts with a nationwide bank with questionable practices and moved all my banking to UCU. They've always been super helpful and there's an ATM a mile from my house. Would highly recommend."

- Leslie B.

Member Testimonial

"After my car was totaled a week ago I was extremely surprised to find I could get a new car for almost the same price. Now I have a new car almost 1 week after losing my old car and I couldn't be happier!"

- Shayla Y.