The Credit Union Difference Puts You First

Credit unions, like Partners Financial FCU, are not-for-profit financial cooperatives that exist to provide members with greater control over finances and better resources for achieving financial success.

There are plenty of financial institutions that offer basic checking and savings accounts, lines of credit, mortgages and other loan products. Should the need arise, big banks may first come to mind, but local credit unions should top the list.

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Credit Union Membership Benefits

  • Personal service
  • Loans are based on careful consideration of a loan officer, not a calculator
  • Work with members to find ideal solutions for their financial journey, not a one-size-fits all approach
  • Counseling to improve credit score

When it comes to banking, making a choice based on a big recognizable name is typical, but it’s worth your time to research the differences between large financial institutions and small credit unions. Are they one in the same? How are they different? First, let’s get to the basics about credit unions.

What Exactly Is A Credit Union?

Credit unions are not-for-profit financial cooperatives that exist to provide members with greater control over finances and better resources for achieving financial success. Like banks, credit unions offer the same services and products—your typical accounts, mobile banking, personal loans, mortgages and more. Aside from these primary features, there are other notable differences between banks and credit unions.


People with accounts at big banks are regarded as customers. Customers have no ownership interest in the bank. The people who do own the institution may not even be customers, these individuals are simply investors and stockholders. On the other hand, depositors of a credit union are referred to as members, and they are part owners of the institution. This means they have the power to voice opinions on who is elected to represent them as board members.

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Fewer Fees & Charges

Fees charged to customers account for nearly 1/3 of a bank’s total profits. As a not-for-profit financial co-op, credit unions typically charge fewer, and lower, fees than banks. Since every member is part-owner, earnings by the credit union are given back to them in the form of higher savings rates and lower loan rates.

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Low Rates

Credit unions provide the same host of services and products as a big bank, but at a much cheaper cost to you. Whether you’re shopping for a personal loan, auto loan, mortgage or credit card, interest rates offered are much lower than what you’d get at a bank.

As for savings rates, credit unions typically pay you as much in interest as they can afford without losing money. According to Bankrate, credit unions pay nearly three times as much interest on money market accounts than banks. View current deposit rates and loan rates now!

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Accessibility & Convenience

Banks are largely competitive with one another which is why you’ll never be able to use another bank’s ATM without paying a surcharge. Credit unions share resources with other credit unions which mean accessibility and convenience for you. Credit union members can use any surcharge-free ATM in the network across the country. An added perk of going local? All decisions, from credit increases to loan approval, are made right inside our branch.

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Resources For Financial Health

One of the key ways credit unions stand out from big banks is in their member service initiatives. Not only is this in the form of higher savings rates, lower interest rates, and fewer fees, but educational programs and other resources that help you become more financially successful and achieve greater financial freedom.

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High Quality Service

Sure, you can join any financial institution, but why not go somewhere you’re regarded as more than a customer? At Partners Financial FCU, you’re a member. In addition to offering you all the services and benefits necessary to financial success, our goal is to provide the highest quality service for superior member satisfaction.

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Become A Member Of Partners Financial FCU Today

Make a change for the better and become a member!

Our goal is to provide the highest quality service for superior member satisfaction. Need another reason to go local? All decisions, from loan approval to credit increases, are made right in our branches. That means shorter wait times and fewer hassles.

Get started today and become a member of a credit union that puts you first.

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You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).