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Perris, 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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    Visterra Credit Union
    23540 March Memorial Dr, Moreno Valley, CA 92553
    We are non-profit financial institution. We offer many of the same products and services as banks-including savings and checking accounts, loans, ATMs.
    (951) 656-4411
    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
    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
    Credit Union Family Service Centers
    8543 Indiana Ave, Riverside, CA 92504
    (951) 656-4411
    Rohr Federal Credit Union
    8200 Arlington Ave, Riverside, CA 92503
    (951) 351-5788
    Visterra Credit Union
    23520 March Memorial Dr, Moreno Valley, CA 92553
    (951) 656-4411
    Clear Path Fcu
    12625 Frederick St, Moreno Valley, CA 92553
    (951) 697-8069
    Altura Credit Union
    2847 Campus Pkwy, Riverside, CA 92507
    (951) 341-6670
    Schoolsfirst Federal Credit Union
    550 Hidden Valley Pkwy, Corona, CA 92879
    (714) 258-4000
    Schoolsfirst Federal Credit Union
    1209 University Ave, Riverside, CA 92507
    (714) 258-4000
    Service Plus Credit Union
    1209 University Ave, Riverside, CA 92507
    (800) 424-2055
    Altura Credit Union
    12125 Day St Ste E309, Moreno Valley, CA 92557
    (951) 784-5218
    Arrowhead Credit Union
    11150 Magnolia Ave, Riverside, CA 92505
    (951) 358-0171
    La Loma Federal Credit Union
    11498 Pierce St Ste D, Riverside, CA 92505
    (888) 252-5662
    Altura Credit Union
    320 S Sanderson Ave, Hemet, CA 92545
    (951) 658-3776

    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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