MyCreditUnion.gov

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

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

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.

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

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.

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

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.

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

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.

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.

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

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.

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.

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.

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

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.

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.

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

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.

Grants, scholarships and loans will likely be part of how you will pay for college. With tens of billions of dollars of financial aid available every year, some of that aid could be yours. It’s important to know what’s available to you.

You can adjust variables, including number of payments, principal, and interest rate, to determine your monthly payment.

The following links to government websites may be helpful as you investigate the financial tools available to you.

Compare the monthly payments and the amount of equity you will build in your home for several kinds of fixed and adjustable rate mortgages.

This worksheet will help you understand where you can be flexible each month.

The Social Security Administration’s Retirement Estimator calculator will provide estimates based on your actual Social Security earnings record.

The Electronic Share Insurance Calculator (E-Calculator) helps credit union members calculate their coverage under National Credit Union Share Insurance Fund.