The Credit Union Difference

Choose A Credit Union

Anyone who lives, works or goes to school in Broward or Palm Beach Counties and Family members of anyone eligible by blood, marriage or adoption may join.

Persons (and their family members) who either live, work, worship, attend school, operate businesses or other legal entities located in Miami-Dade County are welcome to join our credit union.

Membership benefits are eligable for those who live or work in Broward County, Miami-Dade, Palm Beach, and Sarasota Counties or Jupiter, Hobe Sound and Tequesta.

Employees of VA Miami Medical Center, Cedars Hospital, Alterman Transport Lines, members of the Jewish Orthodox Community in South Florida and employees of Select Employee Groups (SEGs) are eligible for membership.

Why Credit Unions

A credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members. Many credit unions exist to further community development or sustainable international development on a local level.

Worldwide, credit union systems vary significantly in terms of total system assets and average institution asset size, ranging from volunteer operations with a handful of members to institutions with several billion dollars in assets and hundreds of thousands of members. Yet credit unions are typically smaller than banks; for example, the average U.S. credit union has $93 million in assets, while the average U.S. bank has $1.53 billion, as of 2007.

The World Council of Credit Unions (WOCCU) defines credit unions as "not-for-profit cooperative institutions".

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