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  • Broadview FCU logo

    Broadview Federal Credit Union Membership

    • Broadview is a member-owned financial cooperative providing banking services.
    • The 7th largest credit union in New York, with assets totaling $4.68 Billion and providing banking services to more than 355,000 members.

    Membership: Live, work, attend school, or worship in one of the communities served.

  • Brokaw Credit Union

    Brokaw Credit Union Membership

    • Brokaw Credit Union is headquartered in Weston, Wisconsin and has been serving members since 1986.
    • Manages $68,000,547 in assets and serves 5,635 members.

    Membership: If you live or work in designated Wisconsin counties.

  • Calcoe Federal Credit Union

    CALCOE Federal Credit Union Membership

    • CALCOE Federal Credit Union is headquartered in Yakima, Washington and has been serving members since 1937.
    • Manages $44.11 Million in assets and serves over 4,000 members.

    Membership: Eligibility for those who live, work, worship, or attend school in Yakima County.

  • Calhoun Liberty Credit Union

    Calhoun Liberty Employees Credit Union Membership

    • Calhoun Liberty Employees Credit Union is headquartered in Blountstown, Florida and has been serving members since 1991.
    • $120.08 Million in assets and serves over 6,000 members.

    Membership: Live, work, worship, go to school, businesses, and other legal entities, and volunteer in designated counties in Florida.

  • California Coast Credit Union

    California Coast Credit Union Membership

    • California Coast Credit Union is headquartered in San Diego, California and has been serving members since 1929.
    • 23rd largest credit union in California, managing $3.32 Billion in assets and serving over 200,000 members.

    Membership: If you live or work anywhere in San Diego or Riverside counties.

  • 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.

  • Camino CU logo

    Camino Federal Credit Union Membership

    • Camino Federal Credit Union is headquartered in Montebello, California serving members since 1941
    • Currently $176.66 Million in assets and serves over 13,000 members.

    Membership: Live or work in Southern California.

  • Campco Federal Credit Union

    Campco Federal Credit Union Membership

    • CAMPCO Federal Credit Union is headquartered in Gillette, Wyoming and has been serving members since 1971.
    • 7th largest credit union in Wyoming, managing $203.09 Million in assets and serving over 19,000 members.

    Membership: If you live, work, or worship in designated counties in Wyoming and South Dakota.

  • Campus Federal Credit Union

    Campus Federal Credit Union Membership

    • Campus Federal Credit Union is headquartered in Baton Rouge, Louisiana and has been serving members since 1934.
    • 4th largest credit union in Louisiana, managing $833.21 Million in assets and serving over 42,000 members.

    Membership: Live, study, work, or worship in Baton Rouge, Shreveport, or New Orleans.

  • CampusUSA Credit Union

    Campus USA Credit Union Membership

    • Campus USA Credit Union headquarters is in Gainesville, Florida and has served members since 1935.
    • Manages $3,150,827,263 and serves 154,133 members.

    Membership: Live, work, or go to school in, and businesses/other entities located in select Florida counties.

  • Canopy Credit Union

    Canopy Federal Credit Union Membership

    • Canopy Credit Union is headquartered in Spokane, Washington and has been serving members since 1956.
    • Manages $238.61 Million in assets and serves over 14,000 members.

    Membership: If you live, work, worship, are a member of a partner association, or attend school in Spokane County, Pend Oreille County, or Stevens County, Washington.

  • Canvas Credit Union logo

    Canvas Credit Union Membership

    • Canvas Credit Union is headquartered in Lone Tree, Colorado and has been serving members since 1938.
    • 3rd largest credit union in Colorado, managing $4.32 Billion in assets and serving over 293,000 members.

    Membership: Eligibility includes living in a charter area, working for a partner employer, or related to an existing member.

  • CapEd Credit Union

    CapEd Federal Credit Union Membership

    • CapEd Federal Credit Union is headquartered in Meridian, Idaho, serving members since 1936.
    • 3rd largest credit union in Idaho, managing $1.56 Billion in assets and serving over 106,000 members.

    Membership: You are an employee of, a retiree from, a volunteer with, or a student of a public, private, or parochial school in a designated county in Idaho.

  • Capital Credit Union

    Capital Credit Union Membership

    • Capital Credit Union is headquartered in Green Bay, Wisconsin and has served members since 1934.
    • 11th largest credit union in Wisconsin, managing $2.41 Billion in assets and serving over 118,000 members.

    Membership: Anyone who lives, works, attends school, owns property, or owns/runs a business in select Northeast Wisconsin counties.

  • Cardinal Credit Union

    Cardinal Credit Union Membership

    • Cardinal Credit Union is headquartered in Mentor, Ohio and has been serving members since 1953.
    • Manages $285.55 Million in assets and serves over 23,000 members.

    Membership: If you live, work, worship, or attend school in Lake, Cuyahoga, Geauga, Ashtabula, Portage, Summit, Mahoning, Trumbull, and Columbiana counties in Ohio.

  • Caribe Federal Credit Union

    Caribe Federal Credit Union Membership

    • Caribe Federal Credit Union is headquartered in San Juan, Puerto Rico and has been serving members since 1951.
    • The largest credit union in the state of Puerto Rico, managing $675.85 Million in assets and serving over 54,000 members.

    Membership: If you are a federal or retired federal employee, you automatically qualify as a member.

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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