Credit Union 101

America’s credit unions are dedicated to making sure that people have a stable financial footing to weather life’s emergencies.

With a not-for-profit member-owned structure, we work hard to find solutions that meet our members where they are. After all, we serve them, not Wall Street investors. For over a century, America’s credit unions have made a difference in underserved communities across the country by providing critical financial services to people banks overlook. Nearly 50% of credit unions have a specific focus on serving low-income communities—providing affordable interest loans, higher savings yields, and lower fees.


  • Surprise medical billing support

  • Stopgap funding when facing a job loss

  • Relief funds after a hurricane, fire, or tornado

  • Personalized debt consolidation support

  • Adoption and fertility treatment loans

  • Low-hurdle loans to help survivors of domestic violence make a fresh start

  • Emergency auto repair

  • Small business loans and much more


1 Million
Credit Unions
120 Million
Financial Benefits per Household
$13 Billion
Total Financial Benefits for Americans
$223 Billion
Total Economic Impact

Explore how credit unions are benefiting Rural Areas, Small Businesses, and Underserved Communities.