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.


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

  • Bre | Rochester

    First Alliance Credit Union

    My husband and I wanted to join a credit union once we became established in Rochester together. We were part of a bigger national bank and we just didn't feel we were getting a lot of the customer service we wanted. We really liked having a one-on-one relationship with our banker.

  • Jill | Baxter

    Mid-Minnesota Federal Credit Union

    My 18-year-old daughter wanted to establish credit. She sat down with Angie in Mid-Minnesota Federal Credit Union’s member services - she now has eighteen months of on-time payments and a better credit score than me!

  • Sam | Eden Prairie

    Royal Credit Union

    Recently my dad purchased a new car. He joined Royal and got a much better rate for his car loan. Thanks to Royal, he will save around $2,000!

  • Jonathan | Stewartville

    First Alliance Credit Union

    When we started communicating with First Alliance they made it feel like we were working for a common goal. We all want to be on the same team just like every horse I work with - I want to be on their team and understand them - meet them where they're at and work together.

  • Jordyn | St. Cloud

    Wings Financial Credit Union

    It was easy to become a member and they offered me a rate on my auto loan that was over 50 percent less than what I was paying before switching from a bank.

  • Sarah | Kasson

    First Alliance Credit Union

    At First Alliance they're non-judgmental, they're real, and they understand people. They've taken us from the bottom to the top; we're on our way to financial success because of their help.

  • Natalie | Woodbury

    Wings Credit Union

    Last year I went to my bank to apply for a car loan. They turned me because we sold our home on a short sale. I finally went to a credit union hoping they would take a chance on me and see I was a good risk — that I was paying off debt on time. The credit union gave me the car loan!

  • Courtney | Stewartville

    First Alliance Credit Union

    The thing that draws us to First Alliance is what our bank used to offer and First Alliance still does: that local feel, that personal interaction a lot of banks don't have anymore.

  • Denise | Rochester

    Mayo Employees Federal Credit Union

    My husband and I worked with Joey on a mortgage refinance and a RV purchase. She is extremely personable, able to answer our questions and addresses our concerns in a straight, easy to understand manner and overall has made the entire process less stressful and more enjoyable.

  • Chuck | St. Louis Park

    Heartland Credit Union

    I appreciate how Heartland Credit Union can make everything so convenient for everyone whether it has to do with online/mobile banking or corresponding by other means.

  • Mary Jo | Rochester

    Mayo Employees Federal Credit Union

    Cody, one of my tellers, went above and beyond for me when he recognized a barrier that a check hold may cause. I am very appreciative that he took that extra time and the extra steps needed to be able to meet my request.

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.