Due to system maintenance, website features, including rates and product applications, will be unavailable Monday, October 26, at 10 PM (PT) to Tuesday, October 27, at 2 AM (PT). Times listed are approximate. We apologize for any inconvenience.
UNIFY eBANKING
GET OUR APP
The Credit Union Advantage vs. Banks
It’s a simple concept, “people over profit.” Credit unions were created during the Great Depression, a time of economic chaos, when people were unable to get loans from over-leveraged banks. As a result, people banded together to pool their resources and help one another. While the world has changed, the core value of credit unions—people helping people—remains stronger than ever today.
|
Not-for-Profit Credit Unions |
For-Profit Banks |
|
Membership funds competitive rates, lower fees and value-added services. |
The rates and fees charged customers drive profits for stockholders. |
|
Member shareholders have a policy voice and vote to elect a volunteer Board of Directors. |
Paid officers and board members shape policy on behalf of stockholders. |
|
Credit unions collaborate to improve members’ access and services. |
Banks fight for customers to muscle out their competition. |
|
Accounts federally insured up to $250,000 by the National Credit Union Administration (NCUA). |
Accounts federally insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). |
Can’t remember your Username?
No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.