Save. Plan. Retire.

Capital Area Federal Credit Union

Credit unions are non-profit institutions regulated and insured by the federal government that return any earnings back to their members.

Navy Federal is the nation’s largest credit union with more than 12 million members and $144 billion in deposits. Membership eligibility extends to those serving or working for the Department of Defense.

Member Benefits

Credit unions are non-profit institutions that dedicate any earnings back into the institution for the benefit of their members, encouraging them to offer financial services tailored specifically to meet member needs.

SchoolsFirst Federal Credit Union serves educational communities throughout California with 70 branches that specialize in school employee membership. Membership is open to current or retired school employees residing within California as well as employees employed at companies who partner with SchoolsFirst in California as well as their families.

No matter whether or not your credit union is federal or non-federal chartered, deposits up to $250,000 are covered by the National Credit Union Administration (NCUA), an U.S. government agency that can be found online at their website.

Checking Accounts

Our checking accounts offer all of the convenience you require, from Choice Checking and Classic Checking accounts featuring e-statements to NO FEES when using your debit card 12+ times each month! Plus, access over 67,000 ATMs through CO-OPSM and MoneyPass(r).

Credit unions and banks serve their members differently; banks are for-profit businesses while credit unions are non-profit financial cooperatives that aim to serve communities tied by factors like location, employer affiliation or religion affiliation or membership in an organization.

Your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency.

Savings Accounts

Credit unions aim to improve their members’ financial well-being, offering higher APYs on savings accounts and reduced loan costs; banks, on the other hand, seek to maximize profits for shareholders.

Banks and credit unions alike provide banking products such as checking and savings accounts, personal loans, auto loans and mortgages; investment products like certificates of deposit (CDs) and individual retirement accounts (IRAs); as well as savings vehicles like certificates of deposit (CDs) and individual retirement accounts (IRAs). Credit unions that offer attractive APYs on savings accounts with minimal fees such as monthly maintenance fees, ATM fees or overdraft charges should be prioritized over those with higher fees such as monthly maintenance fees, ATM fees and overdraft charges compared against multiple institutions to find the best rates.


Credit unions provide an array of loans, from auto and home loans to personal and business checking accounts. Many offer high-interest savings or money market accounts along with low rates on credit cards and auto loans; additionally they may charge fees for account maintenance or overdraft protection so it’s wise to research each provider prior to selecting a provider.

State Employees’ Credit Union offers over 250 branches statewide in North Carolina and boasts more than 2.7 million members with deposits totaling nearly $46 billion. Membership is open to employees who live or work within North Carolina state boundaries.

Credit Cards

Credit cards provide an easy and flexible way to pay. At NH Federal, we provide our members with a Visa card featuring no annual fees and an APR rate as low as 12.9% APR* – giving you all of the convenience of VISA with local service you can depend on from NH Federal’s credit union* See important credit card disclosures.

*The introductory APR offer applies only for purchases made within 180 days of account opening; after this, standard APR rates of 12.95% – 23.99% will apply; it does not cover balance transfers or cash advances (see cardholder agreement for more details).


Credit unions are non-profit organizations and must use their funds for community investments, according to Bankrate. Furthermore, credit unions must offer membership on common bonds such as shared occupation or location; one example being America First Credit Union of Utah which offers membership exclusively to residents in Salt Lake and Juab counties while also contributing money back to high schools and community groups for every non-PIN debit card swipe according to GoBankingRates.






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