Credit Union Difference

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Say hello to banking that puts you first. 

Just like a bank, credit unions accept deposits, make loans and provide convenient banking technology like mobile banking. Unlike a bank, we’re a not-for-profit and exist for one reason – to empower you to do more with your money. Here’s how we do that.


Instead of being owned by shareholders, credit unions are owned by the people who have accounts with them – called member-owners.

Members have a vote and are more than just simply an account number. But don’t worry, this isn’t like your gym membership that costs you. Our membership is free & gives you tons of perks.


Purpose before profit – always. Profits are returned back to members through better rates on loans, higher savings rates, lower fees and investments in banking technology. At a bank, profit is returned to shareholders.

Common Purpose

Members of a credit union share a common bond. For City & County Credit Union, our members share a bond by where they live and sometimes where they work. Learn more about City & County Credit Union member eligibility.

Insured by NCUA

The National Credit Union Administration (NCUA) insures your deposits at a credit union, while the Federal Deposit Insurance Corporation (FDIC) insures deposits at a bank.

Credit unions and banks both insure the same amount - $250,000. Plus, at CCCU your accounts are insured an additional $250,000 with Excess Share Insurance (ESI).

Perks & Benefits

Just for being a member, you gain access to exclusive perks and benefits to empower you in all areas of your life. The list is always growing and includes things like a car buying service, discounts on insurance and free event tickets.

Community First

Credit unions take pride in where we exist. We believe in playing a larger role in helping our community thrive to become the best place to live and work. You’ll often see credit unions volunteering in the community & hosting free events.

Ready to bank differently? Open an account at City & County Credit Union to get started.