You don't have to use the big name banks for the big moments. Type in your zip code to find a credit union near you:

Credit unions are co-ops offering a full spectrum of financial services from checking to home loans. The difference between credit unions and other financial institutions is that credit unions are owned by their customers. Once you use a credit union you are a member and earnings are returned to you in the form of lower loan rates, higher savings rates, and low or no fees.

The co-op structure of credit unions means that all members benefit financially.

Minnesota’s credit unions aren’t just good for their members; they invest back in to their communities. See how here.

A financial cooperative owned and controlled by the people, or members, who use their services.

Exist for the financial betterment of their members. Earnings are passed on to members via better rates and lower fees.

NCUA, a government agency Insured up to $250,000

Most credit union members can use a nationwide network of over 30,000 surcharge-free ATMs and 7,000 shared service centers because of the collaborative nature of credit unions.

A financial corporation, controlled by a paid Board of Directors, elected by shareholders.

Operate on a profit motive to make money for shareholders.

FDIC, a government agency Insured up to $250,000

Most banks require customers to use their branded ATMs and branches for services or pay fees.

11.36%
16.76%
2.49%
3.99%
4.16%
4.15%
0.42%
0.16%
0.10%
0.07%

*Source: Credit Union National Association Minnesota Membership Benefits Report First Quarter 2017

Members of a credit union share a common bond, also known as the credit union’s field of membership. This unique aspect of credit unions helps personalize a credit union’s benefits and services to their specific members.

You have options to join a credit union based where you

Many credit unions serve anyone that lives in a defined geographic area such as a specific county or region.

Companies sponsor credit unions as a benefit for employees; and some credit unions are organized for special trade groups - like aviation or healthcare workers.

Membership in a group, such as a place of worship, school, labor union or homeowners' association may qualify you to join a credit union. And, most credit unions encourage members' families to join.