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Orange County, California - Credit Unions search results Premier Listings

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Terms to Know About Credit Unions

A credit union can perform many of the same functions as a bank. However, membership is limited to those that share a common bond, such as living in the same community. They may offer a better interest rate if you want to save money. They also may offer lower rates on loans, for example if you need to finance a large purchase. As you are considering institutions in your community, below are some terms to be familiar with.

  • Advice - An institution’s written acknowledgement of a transaction related to your account, for example that a check has cleared.
  • Demand deposit - Funds in a member’s account that are subject to withdrawal on demand.
  • Loan draft - A mechanism that allows a member to draw funds against an existing loan amount.
  • NCUA - National Credit Union Association, the federal regulatory agency responsible for chartering, examining and insuring any federal institution of this type. Also may insure the accounts in many state-chartered institutions as is sometimes required by state law.
  • Share draft account - A checking account. Your dollars on deposit are referred to as shares.
  • Yield - The interest rate paid on an account or certificate of deposit.
  • Average daily balance - A method used to set the interest on the balance of a loan from a bank or other finance institution. Purchases are added to the existing balance and then payments subtracted, and the result divided by the number of days in the month.
  • Certificate of deposit - A receipt for funds deposited for a specific period of time and at a certain interest rate.
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    Lendingtree, Llc
    Discover the convenient and affordable way to manage your finances by choosing our local Orange County area credit unions. Providing low cost banking options for happy customers at our credit unions.
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    HB Capital
    2134 Main St Ste 295, Huntington Beach, CA 92648
    Looking for an affordable mortgage or home equity loan? Contact our real estate loan specialists now to discuss our low interest rate mortgage and home refinance loan services. We are in the business of making loans.
    (714) 536-2200
    Rafe Federal Credit Union
    6876 Magnolia Ave Suite A, Riverside, CA 92506
    Looking for an honest, uncomplicated, dependable relationship? One where you’re appreciated? No need to look any further. At RAFE Federal Credit Union we sincerely value your business.
    (951) 682-1555
    Credit Boost
    225 East Broadway, Suite 114, Glendale, CA 91205
    Call us at (877) 790-9624 in Glendale, CA, to learn more about our credible credit repair company.Call us at (877) 790-9624 in Glendale, CA, to learn more about our credible credit repair company.Call
    (213) 300-3978
    Newport Beach City Employees Federal Credit Union
    425 Old Newport Blvd Ste A, Newport Beach, CA 92663
    (949) 642-4507
    Allied Healthcare and Federal Credit Union
    455 Old Newport Blvd Ste 100, Newport Beach, CA 92663
    (949) 631-3375
    Cu Members Mortgage
    5020 Campus Dr, Newport Beach, CA 92660
    (949) 474-4544
    Credit Union
    4041 Macarthur Blvd Ste 100, Newport Beach, CA 92660
    (949) 296-2542
    Pacific Coast Credit Union
    280 Newport Center Dr, Newport Beach, CA 92660
    (949) 719-9277
    Continental Federal Credit Union
    4120 Birch St, Newport Beach, CA 92660
    (949) 752-6317
    Written Guarantees
    3 San Joaquin Plz, Newport Beach, CA 92660
    (949) 720-0881
    Costa Mesa Federal Credit Union
    2701 Harbor Blvd Ste E2, Costa Mesa, CA 92626
    (714) 619-5610
    Fairview Employee Credit Union
    2501 Harbor Blvd, Costa Mesa, CA 92626
    (714) 641-5946
    AAA Automobile Club of So Calif
    3333 Fairview Rd, Costa Mesa, CA 92626
    (714) 885-1945
    Fairview Families & Friends Inc
    2501 Harbor Blvd, Costa Mesa, CA 92626
    (714) 751-2344
    Nikkei Credit Union
    2957 Harbor Blvd Ste B, Costa Mesa, CA 92626
    (714) 689-3450


    Modern credit unions have existed in one form or another since 1852, when the accountant and scholar Franz Hermann Schulze-Delitzsch consolidated two of his pilot projects to form the world's first union. Since then, credit unions have evolved to become complex finance institutions, governed and controlled by a community of members. Today, credit unions exist in nations and states across the globe, and they remain dedicated to serving the financial needs of their community of members. These needs may vary from legal financing to home equity financing to auto financing, or anything in between. Members rely on their unions to establish checking and savings accounts. They also use them for all of their credit card and ATM needs. And they often use them to take out loans as well. Credit unions are typically, but not always, smaller than banks, and unlike banks, their interest rates are established by their members. Credit unions are completely secure, and they may be chartered at the state or federal level. Federal unions are generally more tightly regulated than state unions. But both offer interested members a variety of ways to save money and properly finance their lives. Anyone interested in learning a little more about these interesting financial institutions ought to consider contacting a member of their nearest credit union. If you decide to apply to become a member of a union, and you're approved by the existing members, you could start saving large quantities of money almost instantly. Personal financial freedom could be just a phone call away!
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