What is a Credit Union?

A Credit Union is a financial institution that specializes in providing a multitude of banking-services to those that qualify to join. A credit union is more than just a place to keep your money—it’s a not-for-profit financial cooperative owned by its members. Unlike traditional banks that serve shareholders, credit unions return earnings to members through better rates, lower fees, and personalized service.

At U.S. #1364 Federal Credit Union (USFCU), our mission is simple: provide our members with the very best financial products and services available. When you join, you become part of a community that values trust, service, and financial well-being.

Credit Unions are not-for-profit institutions so that means that all profits go back to members in the form of higher yield rates for Share Certificates, IRAs, savings accounts, and more. These profits also help us provide our members with some of the lowest loan rates in the area. Not only do our members receive better rates, we are also able to keep our fees and charges low for all other accounts too! Our main focus is on helping our members with their banking and lending needs while making our members feel like family.

How Credit Unions Are Different From Banks

• Member-Owned: Every member is an owner with a voice—not just a customer.
• Not-for-Profit: Profits are reinvested back into the credit union to benefit members.
• Better Value: Enjoy competitive loan rates, higher savings yields, and fewer fees.
• Local Focus: Credit unions serve specific communities, counties, or employee groups.
  

Why Join a Credit Union?

Credit unions combine the technology and convenience you expect with the personal touch you deserve. With USFCU, you can:

• Open savings and checking accounts with low or no fees
• Access competitive auto loans, home loans, and credit cards
• Enjoy digital banking tools like mobile deposit, bill pay, and account alerts
• Work with people who care about your financial goals

Who Can Join U.S. Federal Credit Union?

Membership eligibility is based on where you live, work, worship, or go to school within our approved counties.

Learn more about membership eligibility

Ready to Experience the Credit Union Difference?

Becoming a member is quick and simple. Start enjoying the benefits of personalized banking today.

Stop in or Call a Local Branch Today