The CU Difference
Why Join a Credit Union?
It’s a better time than ever to belong to EquiShare Credit Union. Credit Unions have a long history of helping people establish themselves financially and improve their financial profiles; that hasn’t changed. But now, through cooperative programs like shared branching and CO-OP Network ATMs, EquiShare Credit Union also offers cutting edge convenience and security. Members get all of the benefits of dealing with a nationwide network while enjoying the personalized service that EquiShare Credit Union was built upon.
Great Financial Services
Credit unions provide a place for members to save and get loans at reasonable rates. Other services vary by credit union and are tailored to meet members' needs. This is one place where member voting comes in; as a member, you get to say what's important to you. Services include:
- Credit cards with low or no annual fees, excellent rewards, and low interest rates
- Direct deposits and wire services
- Financial education and counseling services
- High interest rates on savings accounts, CDs, and money market accounts
- Free checking with no minimum balance requirements
- Low interest rates on mortgages and vehicle loans
- Notary services
- Online banking
Because of the superior personal attention they give to members—and high quality service—credit unions consistently earn higher customer satisfaction ratings when you compare them to banks. In fact, credit unions have consistently ranked highest for service in a Gallup study commissioned by American Banker magazine.
EquiShare Credit Union employs knowledgeable member service representatives who will work with you to make your financial transactions as easy and convenient as possible—and help you achieve your financial goals.
Better Rates and Lower Fees
Credit unions pass any "profits" they make directly back to members. Because there are no shareholders to keep happy, credit unions are able to offer, on average, better rates and lower fees.
In fact, credit unions typically offer higher rates on savings and certificates—and much lower rates on loans. That’s because all profits come back to the members—not to a board of directors.
And your savings are insured up to $250,000 by the NCUA, so your money is safe and secure.
The Bottom Line
EquiShare Credit Union offers nearly everything else a nationwide bank might offer—online account access, credit and debit cards, insurance on accounts. But we do it within a member-focused philosophy, where our goal is to help our members achieve financial health, not just boost our bottom line. That is why we offer a wide range of services to meet your needs.
For generations, credit unions have been an excellent choice for people who wanted to cultivate their own financial health. Now, that choice gives you even more access to convenience and services too. It’s all yours and—at EquiShare Credit Union—it belongs to you, our shareholders.