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  Posted:  12/23/2013 16:11

What is a credit union?

A credit union is a not-for-profit, cooperative, member-owned financial institution.
Revenues are used to provide members with higher savings dividends, enhanced services, lower loan rates and reduced service fees.  Funds are insured by the strongest of the federal insuring agencies, the National Credit Union Share Insurance Fund (NCUSIF).  Savings are insured up to $250,000, with an additional $250,000 insurance for Individual Retirement Accounts (IRAs).

The credit union is managed by a team of experienced financial professionals.
A volunteer Board of Directors is elected by the membership and maintains general direction and control over the credit union.  A volunteer Supervisory Committee, also elected by the membership, monitors the internal control environment and engages an independent CPA firm to conduct annual audits of the credit union's financial statements.

Membership sets the credit union apart from other financial institutions.
To participate in the credit union, you pay a one-time membership fee of $5 and deposit at least $5 to establish a Savings Account.  Once your account is opened, you become a member-owner and can apply for all the outstanding services offered by the credit union.

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National Credit Union Association Equal Housing Lender America's Credit Unions

Your savings Federally insured to $250,000
by the NCUA, National Credit Union Administration,
a US government agency.  Point Loma Credit Union
is an Equal Housing Lender.

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