Interstate Credit Union Membership!

What is a credit union?
A credit union is a non-profit financial institution that offers many of the same services as banks; however, there are also differences that allow credit unions to extend unique advantages to the people it serves, such as Member Ownership.

What is member ownership?
People who do their banking at a credit union are not just customers; they are full voting members of that credit union. They are also owners of the institution, with each member owning one share, no matter how much money they deposit. With this unique relationship, members find a higher level of attention and service than they may have been used to.

What are the other advantages?
As a non-profit financial institution profits are returned to the member in the form of lower loan rates and fees as well as, higher savings rates. Also, officers and staff are able to extend a greater focus and flexibility, plus special services to provide the smartest financial solutions for each member. For example, short-term loans are available for when unexpected expenses pop up. Extras at credit unions include credit cards with no annual fee. Plus you can do your banking at over 3,000 Credit Union Service Centers across the world.

What about security?
Like banks, credit unions are strictly regulated. Deposits are federally insured to at least $100,000 by the National Credit Union Share Insurance Fund (NCUSIF), which is similar to the FDIC. No individual has ever lost one penny at a federally-insured credit union. For more information about the NCUSIF visit the National Credit Union Administration (NCUA) at www.ncua.gov.

Who can become a member?
Traditionally, credit unions have been limited to employees of certain organizations, but today more and more people may participate in the benefits. Anyone who lives or works in Appling, Long, Liberty or Wayne Counties may become a member of Interstate Credit Union.

Credit Union Information

Interstate Credit Union was chartered in 1968 and currently offers a variety of loan products, saving accounts, checking accounts and other services to help keep members on track.

	What is a credit union? A credit union is a non-profit financial institution that offers many of the same services as banks; however, there are also differences that allow credit unions to extend unique advantages to the people it serves, such as Member Ownership. What is member ownership? People who do their banking at a credit union are not just customers; they are full voting members of that credit union. They are also owners of the institution, with each member owning one share, no matter how much money they deposit. With this unique relationship, members find a higher level of attention and service than they may have been used to. What are the other advantages? As a non-profit financial institution profits are returned to the member in the form of lower loan rates and fees as well as, higher savings rates. Also, officers and staff are able to extend a greater focus and flexibility, plus special services to provide the smartest financial solutions for each member. For example, short-term loans are available for when unexpected expenses pop up. Extras at credit unions include credit cards with no annual fee. Plus you can do your banking at over 3,000 Credit Union Service Centers across the world. What about security? Like banks, credit unions are strictly regulated. Deposits are federally insured to at least $100,000 by the National Credit Union Share Insurance Fund (NCUSIF), which is similar to the FDIC. No individual has ever lost one penny at a federally-insured credit union. For more information about the NCUSIF visit the National Credit Union Administration (NCUA) at www.ncua.gov. Who can become a member? Traditionally, credit unions have been limited to employees of certain organizations, but today more and more people may participate in the benefits. Anyone who lives or works in Appling, Long, Liberty or Wayne Counties may become a member of Interstate Credit Union.








	Credit Union Information
	Interstate Credit Union was chartered in 1968 and currently offers a variety of loan products, saving accounts, checking accounts and other services to help keep members on track.