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Why a Credit Union?

Hint: It’s all about coolness

Credit unions are a different animal than banks; we’re a bit warmer and fuzzier. Also, we’re just sort of cooler than a bank.

The services are the same—checking, savings, ATMs, loans, etc. The difference is that you, the credit union member, own this organization instead of the suits. You—our members—the people that save and borrow through us, are owners in an organization that is:

  • Democratically governed—each member has one vote {and only one}
  • Governed by a board of directors elected by members {that could include you}
  • Focused on achieving superior results that benefit individuals and our surrounding community
  • We’re a not-for-profit financial cooperative, which means that we make it about you, not our bottom line. We endeavor to get you:
  • Lower fees
  • Higher savings returns
  • Better loan rates
  • Educated financially to make strong money choices

We ask for your real-life thoughts and learn from your accounts to keep creating a great credit union that benefits you.

Unlike commercial banks and savings institutions, a credit union has no stockholders. Our earnings are either reinvested into improved services or returned to members through higher returns on savings, reduced loan rates, and fewer and lower service fees.

As an Extra Credit Union member, your savings accounts are insured up to $250,000 by the National Credit Union Administration, a federal government regulator and insurer for credit unions.

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