Benefits of Credit Union Membership at ASECU
Great Financial Services
Credit unions provide a place for members to save and get loans at reasonable rates. Other services vary by credit union, and are tailored to meet members' needs. This is one place where member voting comes in; as a member, you get to say what's important to you. Services include:
- Credit cards with no annual fees and low interest rates
- Direct deposits and wire deposits
- Financial education and counseling services
- High interest rates on savings accounts, CDs and money market accounts
- Investment services
- Low cost or free checking with low or no minimum balance requirements
- Low interest rates on mortgages and vehicle loans
- Notary services
- Online banking
Personal Attention
Because of the superior personal
attention we give to members—and high
quality service—credit unions
consistently earn higher customer
satisfaction ratings when you compare
them to banks. In fact, credit unions
have consistently ranked highest for
service in a Gallup study commissioned
by American Banker magazine.
Credit unions employ knowledgeable
member service representatives who will
work with you to make your financial
transactions as easy and convenient as
possible—and help you achieve your
financial goals.
Better Rates and Lower Fees
Credit unions pass any "profits" they
make directly back to members. Because
there are no shareholders to keep happy,
credit unions are able to offer, on
average, better rates and lower fees.
In fact, credit unions typically offer
higher rates on savings and
certificates—and much lower rates on
loans. That’s because all profits come
back to the members—not to a board of
directors.
And your savings are insured up to
$250,000 by the
NCUA so your money is safe and
secure.
