About Credit Unions


Credit unions are financial institutions that are owned by members. In the United States, they are not-for-profits that operate to serve members rather than to maximize profits. On the whole, credit unions typically offer higher savings rates, lower fees, and lower rates on loans. You may be able to join a credit union based on where you live, where you work, where you worship, or your membership in an association.

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Paying Off Credit Cards

Read your statement carefully for information about how long it would take to pay off your account balance if you only pay the minimum payment. It can take years, or even decades, to pay it off.

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Mortgage Modifications

NCUA encourages credit unions to work constructively with residential mortgage borrowers who may be unable to meet their contractual payment obligations.

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Short Term Loans

Payday loans (a.k.a. deferred advance loans, cash advance loans, check advance loans, post-dated check loans, or deferred deposit check loans) are loans borrowers promise to repay from their next paycheck or salary deposit.

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Find a Local Credit Union

pic-findmap With more than 91 million members, credit union membership in the United States continues to rise. Use the interactive map to locate credit unions in your area.

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