There has never been a better time to be a credit union member. Credit union members enjoy higher rates on deposits, lower rates on loans, as well as lower and fewer fees. It's also never been easier to be a credit union member. Technology has replaced the need for neighborhood branch locations robbing big banks of their single advantage of convenience. With direct deposit, online banking, mobile banking, online bill pay, ATMs, and with a network of 4,300 shared branch locations credit unions are arguably more convenient than big banks. CU's provide the tangible benefits of value and convenience, plus the intangible ones of member-ownership, member-led, and not for profit status. As cooperative financial institutions, CU's allow people to help people. One member borrows funds that another has deposited - and both save money in the process! Banking at big banks only makes them bigger. Bank local, at your member-owned credit union.