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  • 121 Financial CU logo

    121 Financial Credit Union Membership

    • 121 Financial Credit Union is headquartered in Jacksonville, Florida, and has been serving members since 1935 offering savings, checking, loans, credit and debit cards, online banking, and other related services.
    • Manages $709.88 Million in assets and serves over 50,000 members.

    Membership: 121 Financial offers financial products and services tailored to the unique needs of residents within Florida. Membership is also open to the immediate family of current members.

  • Cooperative Center FCU logo

    Cooperative Center Federal Credit Union Membership

    • Cooperative Center Federal Credit Union is headquartered in Martinez, California and has been serving members since 1942.
    • Manages $134.82 Million in assets and serves over 8,000 members.

    Membership: If you work for one of the employers, or belong to an association within the Cooperative Center’s field of membership, or have a family member who is currently a member.

  • Jeanne D'arc CU logo

    Jeanne D’Arc Credit Union Membership

    • Jeanne D’Arc Credit Union is headquartered in Lowell, Massachusetts has been serving members since 1911.
    • 6th largest credit union in the state of Massachusetts, managing $2.1 Billion in assets and serving over 100,000 members.

    Membership: Everyone who lives, works, or attends school in designated Massachusetts and New Hampshire counties.

  • Lake Trust Credit Union Membership

    • Lake Trust Credit Union is headquartered in Brighton, Michigan and has been serving members since 1944.
    • 8th largest credit union in the state of Michigan, managing $2.58 Billion in assets, serving over 178,000 members.

    Membership: Live, work, worship, or attend school in Michigan.

  • Seattle CU logo

    Seattle Credit Union Membership

    • Seattle Credit Union is headquartered in Seattle, Washington and has been serving members since 1933.
    • 18th largest credit union in the state of Washington, managing $1.09 Billion in assets and serves over 56,000 members.

    Membership: Eligibility applies if you live, work, worship, or attend school in the state of Washington.

  • Tucson Old Puebloe CU logo

    Tucson Old Pueblo Credit Union Membership

    • Tucson Old Pueblo Credit Union is headquartered in Tucson, Arizona and has been serving members since 1935.
    • 20th largest credit union in the state of Arizona, managing $217.45 Million in assets and serving over 18,000 members.

    Membership: You are eligible for membership if you live, work, or go to school in Tucson, Arizona.

  • Clearwater Credit Union

    Clearwater Credit Union Membership

    • Clearwater Credit Union is headquartered in Missoula, Montana and has been serving members since 1956.
    • 2nd largest credit union in the state of Montana, managing $999.41 Million in assets and serving over 59,000 members.

    Membership: Live, work, go to school, or worship in the Montana counties served by Clearwater Credit Union.

  • Suncoast Credit Union logo

    Suncoast Credit Union Membership

    • Suncoast Credit Union is a credit union headquartered in Tampa, Florida offering banking, financing, and insurance services.
    • The largest credit union in Florida with assets totaling $11.9 Billion and serving over 892,000 members.

    Membership: Anyone who lives, works, attends school, or worships in the counties served by Suncoast in Florida.

  • VyStar Credit Union logo

    VyStar Credit Union Membership

    • VyStar Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services to members.
    • The 2nd largest credit union in Florida with assets totaling $9.52 Billion and serving over 721,000 members.

    Membership: Any individual living or working in certain Florida and Georgia counties.

  • Logix logo

    Logix Federal Credit Union Membership

    • Logix Federal Credit Union is a member-owned financial cooperative providing financial banking services.
    • The 7th largest credit union in California, with assets totaling $7.19 Billion and serving over 209,000 members.

    Membership: Residents of AZ, CA, DC, MA, MD, ME, NH, NV, and VA, but primarily serves transportation (as Lockheed) equipment employees.

  • Kinecta logo

    Kinecta Federal Credit Union Membership

    • Kinecta Federal Credit Union is a member-owned financial cooperative providing financial banking services.
    • The 9th largest credit union in California with assets totaling $5.06 Billion and serving more than 241,000 members.

    Membership: Anyone who lives, works, worships, or attends schools in select SoCal zip codes.

  • Gesa CU logo

    Gesa Credit Union Membership

    • Gesa Credit Union is a community-chartered credit union that offers financial services in Washington, Oregon and Idaho.
    • It’s the 2nd largest credit union in Washington with assets totaling $4.11 Billion and serving more than 257,000 members.

    Membership: Live, work, worship, or attend school in the State of Washington, are a close relative of someone who qualifies as a member.

  • Travis CU logo

    Travis Credit Union Membership

    • Travis Credit Union operates as a financial cooperative offering banking and loan products.
    • The 13th largest credit union in California, with assets totaling $3.92 Billion and providing banking services to more than 215,000 members

    Membership: The credit union is open to everyone who lives, works, attends schools, or worships in any of the 12 Northern California counties.

  • WSECU logo

    Washington State Employees Credit Union (WESCU) Membership

    • Washington State Employees Credit Union (WESCU) is a member-owned financial cooperative providing banking services including savings, loans, and other financial services.
    • 3rd largest credit union in Washington with assets totaling $3.74 Billion and serving more than 283,000 members.

    Membership: Open to those who live and work in the state of Washington .

  • Coastal CU logo

    Coastal Credit Union Membership

    • Coastal Federal Credit Union is a not-for-profit, member-owned financial cooperative located in Raleigh, North Carolina offering checking and savings accounts, credit cards, mortgages, HELOCs, auto loans, and more
    • 2nd largest credit union in North Carolina with assets totaling $3.73 Billion and serving more than 272,000 members.

    Membership: Live, work, worship, and attend school in select communities in North Carolina.

  • California CU logo

    California Credit Union Membership

    • California Credit Union is a state-chartered credit union in Southern California that provides banking services, including savings, loans, and other financial services.
    • 16th largest credit union in California with assets totaling $3.56 Billion and serving more than 164,000 members.

    Membership: Live or work in San Diego, Riverside, Orange County, CA, or Live in California and be employed with select partner companies.

What is Banking?

Banking is a form of money management using products and services related to savings and loans.

Different Types of Financial Institutions

Banks

Banks are what we typically associate with banking. They come in different sizes: local, national, traditional and online-only. Federal or state agencies supervise banks. The FDIC insures deposits of participating banks.

Credit Unions

Credit unions are not-for-profit financial institutions. They offer products and services similar to banks with a focus on member service, not profit. The NCUA insures deposits from participating credit unions.

Alternative Financial Services

Many fintechs are non-chartered financial services companies that offer banking services. You might think of them as an app offering checking and savings accounts, debit cards, payments, etc. They are not banks but work with partner banks or credit unions to hold your deposits.

Types of Banking Accounts

Banking accounts help make financial transactions convenient.

Savings Account

A savings account helps you save your money. You’re storing your money for future use and hopefully earning a reasonable interest rate. Interest is the money you earn for letting the bank keep your money. Some financial institutions impose minimum deposits, withdrawal limits, and fees.

Checking Account

A checking account is a transactional account that allows you to make deposits and withdrawals of your money anytime. Checking accounts is not the best place to store your money, as the goal of the account is for use, not saving.

Most checking accounts do not pay interest, but some do. Be mindful of transaction limits, minimum balance requirements, and fees.

Debit Card

Checking accounts come with a debit card enabling you to spend your money conveniently. A debit card allows for making purchases at stores and online shopping. You can only spend the money that’s in your checking account. Additionally, you can use your debit card at ATMs to make deposits, withdrawals, check balances, and transfers between accounts.

Money Market Account

A money market account is a type of hybrid savings and checking account. It tends to have higher deposit requirements but often pays more interest than a savings account.

Certificate of Deposit (CD)

A certificate of deposit, also known as a CD, helps you save money with a set interest rate for a specific amount of time. Your cash is term-locked. In exchange, you get a higher interest rate compared to a traditional savings account. Certificate terms can start at 30 days and go to 5 or more years.

How to Choose the Best Banking Service

You have many choices on the type of account to use and the variety of financial institutions available. So, shop around. Ask the following questions to help you narrow down your choices:

  • What are the products and services offered?
  • What are the fees?
  • Are there minimum balance requirements?
  • Do I need a physical location (like a branch) or prefer better mobile app services?
  • Does local banking matter or is national big bank convenient?
  • Are deposits FDIC or NCUA insured?
  • How to access your money?
  • Debit card? ATM network?
  • Can I set auto-transfers, auto-payments, and alerts?

You want to determine how the banking provider aligns with your needs, the cost of services, safety, security, and overall convenience.

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