What exactly is the difference between banks and credit unions? Listed here are some of the facts that make credit unions America’s premier choice in the financial services industry.

  • Number 1 in Satisfaction and Trust. In the United States, credit unions have been the favorite among consumers surveyed in the American Banker Magazine’s satisfaction survey every year since 1983. Just recently, credit unions assumed the top ranking in trustworthiness as well.
  • Among the Best-Run and Safest Financial Institutions in the Country. Credit Unions are cooperative, nonprofit organizations, owned and controlled by their members. Rather than making a profit for stockholders, earnings are shared with members in the form of higher savings rates, lower loan rates, and less fees. Credit Unions are the only democratically controlled financial institutions in the United States.
  • For the People, Not Profit. Members often share a “common bond” by working for the same employer, belonging to an organization, or perhaps living in the same community. Membership eligibility is dependent upon each credit union’s defined Field of Membership. All members enjoy the benefits of credit union ownership equally and share the same voting rights.

Hidden River Credit Union now serves more than 18,000 members and total assets exceed $215 million. Our capital, a measure of financial health, is at an all-time high.



Credit Union


Not-for-Profit   –––––––––––––––––

–––––––––––––––––   For-Profit

Field of Membership (Common Bond)   –––––––––––––––––

–––––––––––––––––   Anyone Can Be a Customer

Several Products & Services   –––––––––––––––––

–––––––––––––––––   Several Products & Services

Accessible 24/7   –––––––––––––––––

–––––––––––––––––   Accessible 24/7

Fewer Fees, Better Rates   –––––––––––––––––

–––––––––––––––––   More Fees, Worse Rates

Member Owned   –––––––––––––––––

–––––––––––––––––   Shareholder Owned

NCUA ($250k)   –––––––––––––––––

–––––––––––––––––   FDIC ($250k)

Not a member? Join today!

There’s no better time to enjoy the benefits of membership and be a part of the credit union difference.