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  • Learn About Credit Unions
    • Historical Timeline of Credit Unions

      As not-for-profit depository institutions, credit unions were created to serve members as credit cooperatives.

    • How is a Credit Union Different than a Bank?

      In the United States, credit unions are not-for-profit organizations that exist to serve their members rather than to maximize corporate profits.

    • How to Find a Credit Union in Your Area

      Once you select a specific credit union, you can view more details about that credit union, including contact information, branch locations, services offered, and recent financial statements.

    • How to Join a Credit Union

      Anybody can join a credit union. Each credit union serves what’s called their “field of membership” – that’s the commonality between the members.

    • How to Start a Credit Union

      If your group is eligible, NCUA's staff will assist you with preparing an application for a charter and see that your group receives guidance in getting your federal credit union started.

    • Is a Credit Union Right for Me?

      Because credit unions are not-for-profit financial institutions, their focus is serving the financial needs of their members and not making a profit.

    • Credit Union and Bank Interest Rate Comparison

      In general, credit unions offer higher savings rates, meaning that your money grows faster, and lower rates on loans, meaning that you will owe less over the lifetime of the loan.

    • Learn More About Your Credit Union

      NCUA makes financial information about credit unions available to the public through Financial Performance Reports (FPRs).

    • Low Income Credit Unions

      Credit unions provide valuable access to financial services for people underserved and unserved by traditional financial institutions.

    • Understanding Differences in Federal vs. Privately Insured Credit Unions

      Federally-chartered credit unions are regulated by the National Credit Union Administration and insured by the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the United States government.

    • What is a Credit Union?

      A federal credit union is a cooperative financial institution chartered by the federal government and owned by individual members.

  • Protect Your Finances
    • Consumer Protection Update

      Watch the latest NCUA Consumer Protection Update video to learn about important updates and changes that may affect you as a consumer."

    • Credit Reports and Credit Scores

      It’s a good idea to monitor your credit report on a regular basis to make sure that the information is accurate. You can also verify that no one has stolen your identity to make fraudulent charges.

    • Share Insurance Coverage

      Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to $250,000, per individual depositor.

    • Online Financial Safety Tips

      When performing transactions on your credit union's website, it's wise to make sure that the website is legitimate and that your deposits are federally insured.

    • Prevent Identity Theft

      If you believe that someone has stolen your identity, you should contact any credit union, bank or creditor where you have an account that you think may be the subject of identity theft.

    • Frauds and Scams

      NCUA reports on frauds and scams aimed at credit union members. In this section, we provide an overview of recent activity.

    • Scams Targeting Seniors

      America's growing senior population is vulnerable to a broad range of financial crimes. In this section, NCUA provides tips on how seniors can protect themselves from fraud.

    • Tips for Young Adults

      Credit unions offer young adults desirable, affordable financial services, as well as the advantage of personal service developed to help them grow their savings. Many credit unions offer services within schools or have student-run branches.

    • Pocket Cents

      Learn about the history of money, different currencies used around the world, the power of dividends and how to be smart about preparing for your financial future with Pocket Cents from NCUA.

    • Understand Your Privacy Rights

      Federal privacy laws give you the right to stop (opt out of) some sharing of your personal financial information. The law permits your financial companies to share certain information about you without giving you the right to opt out.

  • Financial Tools and Resources
    • Brochures and Graphics

      These brochures and graphics may be linked, downloaded, or printed.

    • Calendar of Events

      View a listing of upcoming events, designations, and opportunities for each month.

    • College Scorecard

      Plan your entire financial aid packages online for all of the schools that you are considering.

    • Consumer Loan Calculator

      Explore your consumer loan, including the effect of adjusting number of payments, principal and interest rate on your monthly payment.

    • Consumer Resources

      Use these references and tools to make better informed financial decisions.

    • FAQs

      Locate answers in the Knowledge Base to a wide variety of frequently asked questions.

    • Games and Activities

      Test your financial knowledge with these games and activities for all ages.

    • Glossary

      Become an educated consumer by taking the mystery out of commonly used financial terms.

    • Lesson Plans and Resources

      Educators and parents can use these plans and resources to teach youth, tweens, and teens about saving, spending, budgeting, and the value of money.

    • Mortgage Loan Calculators

      Compare monthly payments and the amount of equity you would build with several kinds of fixed and adjustable rate mortgages.

    • Personal Budgeting Worksheet

      Take a close look at your income and expenses with this helpful worksheet that can identify where you might have room to save.

    • Savings & Retirement Calculator

      Get estimates based on your actual Social Security earnings record with this calculator.

    • Share Insurance Estimator

      Are your deposits insured? Find out with NCUA’s electronic Share Insurance Estimator.

    • Videos

      View NCUA's Consumer Report and Consumer Protection Update videos on current financial hot topics.

  • Credit Unions and You
    • Dealing with Debt

      Bill payer services, or debt consolidation services, can help consumers preserve their credit scores by merging debts and establishing a workable schedule to pay down money owed to creditors through a single monthly payment.

    • Buying A Car

      It's important to know how to make a smart deal. Your credit union can discuss car loan options with you.

    • 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, even decades, to pay it off.

    • Home Ownership and Mortgage Options

      Once you are ready to buy a home, consult your credit union about competitive interest rates and to find out about your mortgage options, including the term of the loan and the conditions.

    • Mortgage Modifications

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

    • Preparing for Retirement

      Between longer life expectancies and fewer employers offering traditional pension plans, it’s a good idea to take an active role in planning for retirement.

    • Saving for College

      Whether you are saving for your own education or for your children’s, it’s wise to start planning for college as soon as possible.

    • 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.

Pocket Cents
  • Youth

    Have you ever thought about why money is worth anything? It's just paper and ink, or a small piece of stamped metal. To do a lot of things we need to use money. Money can give you choices and independence. Have you ever thought about how you could earn your own money? Or, how much money you should you save? The way you manage your money could determine if are able to buy food, a movie ticket, a pair of jeans, just about everything. Learn about the history of money, why we use it, how to save it, and how to protect it.

  • Teens and Tweens

    You may be thinking about your first checking or savings account, your first job, or even your first car. Soon, you will have the opportunity to pursue your dreams. You could go to college, launch your career, or start a business. No matter what you decide, you will need money to make it happen. It's never too early to learn smart financial habits. Whether saving a portion of a weekly allowance or understanding the deductions on the pay stub from a first job, good money management skills can last a lifetime. In this section, you will not only learn how to prepare financially for life after high school, but also how to avoid scams and common money mistakes.

  • Young Adults

    Are you prepared to make wise and informed financial decisions? Do you know how to recognize predatory credit offers? Can you balance a checkbook? Do you have a savings plan? Smart financial choices you make today could help you can achieve that new car purchase, or sail through an apartment lease or mortgage application. However, money mistakes when you're just starting out can leave you in debt and ruin your credit score. Learn how to live within a budget, handle credit and debt, and build a solid financial foundation for your future.

  • Parents And Educators

    How do you teach kids about money? It may be as simple as talking about your job, taking a trip to the grocery store, or opening a savings account at a credit union to deposit allowance and birthday money. The bottom line is that it’s never too early to start teaching children smart financial habits and the value of money. Educating, motivating, and empowering kids to become regular savers will enable them to keep more of the money they earn. Whether at home or in the classroom, this section will provide you with the tools and resources to teach kids how to grow into financially responsible adults. The reward could mean a life free from the anxieties of debt.

  • Seniors

    Did you know that seniors account for almost 30% of all fraud victims? Whether you are looking for information for yourself or for a loved one, in this section you will learn how to defend against these scams, as well as, find information on reverse mortgages, prepaid funerals, emergency savings, and long-term care. Additionally, you will find articles that will help with money management, post-retirement planning, and maximizing government benefits.

  • Marriage and Family

    You may have a retirement account. But, do you really know how much you should be saving? Do you budget to save, and not just when you have extra money left over in your paycheck? Have you thought about saving for college? Does your family have an emergency fund? Anyone can learn how to save money and invest in their future. In this section, you will learn how to take control of your financial future, including how to defend against fraud and scams, tips on buying a car or home, how to handle credit and debt, and information about credit reports.

  • Servicemembers

    Are you financially ready? Servicemembers and military families face unique financial challenges, whether on active duty, returning to civilian life, or living as a veteran. In recent years, servicemembers have joined the ranks of those who are considered most vulnerable to predatory lenders and identity theft. Most military families today are not saving adequately for retirement, and many do not have an emergency fund. In this section, you will learn how to protect yourself from financial vulnerabilities, as well as, how to budget, save, and handle debt and credit. Additionally, learn about free financial resources, benefits, and special protections offered by the U.S. government for servicemembers and their families.

 State Chartered Credit Union Complaints

The links on this page will take you web sites outside of NCUA.
Your complaint is with a state-chartered credit union. Credit unions are supervised by the states which charter them. Find the state below in which your credit union is located for the appropriate contact information.​
 
State State Credit
Union Offices
Address City, State, Zip Phone Fax
AL
AL Credit Union Administration
1789 Cong. Wm. L. Dickinson Dr.
Montgomery, AL 36109
334-271-2381
334-409-9635
AK Division of Banking
P.O. Box 110807
Juneau, AK 99801-0807
907-465-2521
907-465-2549
AZ Department of Financial Institutions
2910 N 44th Street, #310
Phoenix, AZ 85018
602-277-2800
602-381-1225
AR
AR Securities Department
Heritage West Bldg., Ste. 300, 201 East Markham
Little Rock, AR 72201
501-324-9260
501-324-9268
CA Department of Financial Institutions
1810 13th Street
Sacramento,
CA 95814-7118
800-622-0620
916-445-2123
CO Division of Financial Services
1560 Broadway, Ste. 1520
Denver, CO 80202
303-894-2336
303-894-7886
CT Department of Banking
260 Constitution Plaza
Hartford, CT 06103-1800
860-240-8220
860-240-8178
FL Division of Banking
101 E. Gaines St., Ste. 636
Tallahassee, FL 32399-0350
850-410-9111
850-410-9548
GA Department of Banking and Finance
2990 Brandywine Rd., Ste. 200
Atlanta, GA 30341-5565
770-986-1633
770-986-1654
HI Division of Financial Institutions
P.O. Box 2054
Honolulu, HI 96805
808-586-2820
808-586-2818
ID Department of Finance
P.O. Box 83720
Boise, ID 83720-0031
208-332-8010
208-332-8097
IL Department of Financial Institutions
100 W Randolph St., Ste. 15-700
Chicago, IL 60601
217-782-2834
312-814-5168
IN Department of Financial Institutions
402 West Washington St., Rm. W-066
Indianapolis, IN 46204
317-232-3955
317-232-7655
IA Department of Commerce
East Grand Office Park, 200 E. Grand Ave., Ste. 370
Des Moines, IA 50309-1827
515-281-6514
515-281-7595
KS Department of Credit Unions
400 Kansas Ave., Ste. B
Topeka, KS 66603
785-296-3021
785-296-6830
KY Department of Financial Institutions
1025 Capital Center Dr., Ste. 200
Frankfort, KY 40601
502-573-3390
502-573-8787
LA Office of Financial Institutions
P.O. Box 94095
Baton Rouge, LA 70804
225-925-4660
225-925-4548

MA Division of Banks

One South Station
Boston, MA 02110
617-956-1500
617-956-1599
MD Division of Financial Regulation
500 N Calvert St., Rm. 402
Baltimore, MD 21202-3651
410-230-6100
410-333-0475
ME Bureau of Banking
36 State House Station
Augusta, ME 04333-0036
207-624-8570
207-624-8590
MI Financial Institutions Bureau
P.O. Box 30224
Lansing, MI 48909
517-373-6930
517-335-0908
MN Department of Commerce
85 East 7th Place, Suite 500
St. Paul, MN 55101
651-296-2135
651-296-8591
MS Department of Banking and Consumer Finance
P.O. Drawer 23729
Jackson, MS 39225-3729
601-359-1031
601-359-3557
MO Department of Economic Development
2410-A Hyde Park Road
Jefferson City, MO 65102
573-751-3419
573-751-6834
MT
MT Division of Banking and Financial Institutions
P.O. Box 200546
Helena, MT 59620-0546
406-444-2091
406-444-4186
NE Department of Banking and Finance
P.O. Box 95006
Lincoln, NE 68509-5006
402-471-2171
402-471-3062
NV Financial Institutions Division
406 E. Second St., Ste. 3
Carson City, NV 89701
775-684-1830
775-684-1845
NH Banking Department
64B Old Suncook Road
Concord, NH 03301
603-271-3561
603-271-1090
NJ
NJ Department of Banking and Insurance
P.O. Box 325
Trenton, NJ 08625-0325
609-292-5360
609-292-5461
NM Financial Institutions Division
P.O. Box 25101
Santa Fe, NM 87504
505-827-7100
505-827-7107
NY State Banking Department
Two Rector St., 18th Fl.
New York, NY 10006-1894
212-618-6496
212-618-6925
NC Credit Union Division
4314 Mail Service Center
Raleigh, NC 27699-4314
919-571-4888
919-420-7919
ND Department of Financial Institutions
2000 Schafer St., Ste. G
Bismarck, ND 58501-1204
701-328-9933
701-328-9955
OH
OH Department of Commerce
77 S High St., 21st Fl.
Columbus, OH 43266-0121
614-728-8400
614-752-9029
OK State Banking Department
4545 N Lincoln Blvd., Ste. 164
Oklahoma City, OK 73105
405-521-2782
405-522-2993
OR Division of Finance and Corporate Security
350 Winter St., NE
Salem, OR 97310-3881
503-378-4140
503-947-7862
PA Department of Banking
333 Market St., 16th Fl.
Harrisburg, PA 17101-2290
717-787-7333
717-787-8773
PR
PROSAD-COOP
P.O. Box 11855
San Juan, PR 00910-3855
787-765-7179
787-763-8462
RI Banking Division
1511 Pontiac Ave, Building 68-2
Cranston, RI 02920
401-462-9503
401-462-9532
SC
SC State Board of Financial Institutions
1015 Sumter St., Rom 309
Columbia, SC 29201
803-734-2001
803-734-2013
TN Division of Financial Institutions
John Sevier Bldg., 4th Fl., 500 Charlotte Ave.
Nashville, TN 37243-0705
615-741-5608
615-714-2883
TX Credit Union Department
914 East Anderson Lane
Austin, TX 78752-1699
512-837-9236
512-832-0278
UT Department of Financial Institutions
P.O. Box 89
Salt Lake City, UT 84110
801-538-8830
801-538-8894
VT Department of Banking, Insurance, Securities and Health Care Administration
89 Main St., Drawer 20
Montpelier, VT 05620
802-828-3307
802-828-3306
VA Bureau of Financial Institutions
P.O. Box 640
Richmond, VA 23218-0640
804-371-9267
804-371-9416
WA Division of Credit Unions
P.O. Box 41200
Olympia, WA 98504- 1200
360-902-8701
360-704-6901
WV Division of Banking
1900 Kanawha Blvd. E, Bldg. 3, Rm. 311
Charleston, WV 25305
304-558-2294
304-558-0442
WI Department of Financial Institutions
P.O. Box 14137, 3rd Fl.
Madison, WI 53714-0137
608-261-9543
608-267-0479
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