Page ContentCredit Unions and YouCredit 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. Buying a CarDealing with DebtHome Ownership and Mortgage OptionsMortgage ModificationsPayday and Short Term LoansPaying Off Credit CardsPreparing for RetirementSaving for CollegeFind a Local Credit Union With more than 98 million members, credit union membership in the United States continues to rise. Use the interactive map to locate credit unions in your area.