why join a credit union?
Credit unions and banks offer many of the same products and services. However, we’re quite different in our approach to serving you, as you are our member-owners. Our employees are also dedicated to making a positive impact. Civic-minded, we live in the same communities as you. We shop at the same stores and attend the same schools and churches. Like you, we have a stake in this community and in your personal success.
| N/A | BlueOx Credit Union | Local or National Banks |
| Structure | Not for profit, our earnings are given back to our member/owners in the form of higher dividends and lower loan rates | Generates profits for shareholders |
| Ownership | Members | Shareholders |
| Board of Directors | Unpaid Volunteers | Paid Shareholders |
| Fees | Typically lower | Generally account for one-third of banks' total profits |
| Earnings Go To | Members | Shareholders |
| Interactions with Like Financial Institutions | Cooperative | Competitive |
| Deposits Insured By | NCUA (National Credit Union Administration) |
FDIC (Federal Deposit Insurance Corporation) |
Ready to become a Member? Click the button below to join today, or stop by any branch with your photo identification and Social Security Card and speak to a Member Service Representative. For more information, contact us at (800) 648-8035.