Membership
The major difference between a bank and a credit union is the people who own it. Banks are corporations that pay earnings to shareholders while credit unions are member owned cooperatives that share their returns with members (owners) in the form of competitive rates for savings, CDs, loans, mortgages, etc.
Profit
Since banks are profit driven institutions, they must factor share holder profits into their business model, and in turn typically charge customers higher fees and rates to pay out those profits.
Financial Security
Another common misconception is that big banks offer more security for your money. The reality is that the NCUA (National Credit Union Administration) insures members up to 250k, the exact same amount as the FDIC!
Technology
In addition, credit unions offer the same electronic and high-tech features that big banks have but with unmatched hometown service, you can only get locally. MCCU provides members access to their money 24/7 with online banking, a mobile app and mobile check deposit!
Over 115 million Americans have already made the switch, learn how you can start getting more from your money, with McPherson Co-Op Credit Union!

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