Credit unions are different and that’s good news for you! Millions of people in the United States and throughout the world are taking advantage of credit union membership. Credit unions are not-for-profit financial cooperatives and are among the most stable institutions in America. They exist to serve the needs of their members (who are also owners) and offer the same types of banking products and services you would find at other financial institutions, including savings and checking accounts, loans, mortgages, Internet home banking, mobile banking and bill payment and more. Credit Unions have changed over the years to meet members’ changing needs. In contrast to constantly merging financial institutions, credit unions remain personal and people oriented. They still believe in the motto, “People helping People.”