Credit Union Difference

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.

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.

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 Union 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).

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.

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.