The Credit Union Difference
| Credit Unions | Banks |
| Not-for-profit financial cooperatives | For profit corporations |
| Owned by members | Owned by stockholders |
| Members elect Board of Directors | Stockholders are on Board of Directors |
| Board of Directors is unpaid | Board of Directors is paid |
| Funds are insured by the NCUA | Funds are insured by the FDIC |
| Locally owned | Often national or global |
