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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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    Washington State Employees Credit Union - WSECU
    2523 W Northwest Blvd, Spokane, WA 99205
    Banks cannot compete with our credit union services. We provide our members with expert financial planning and access to low interest rate personal and home equity loans. Our credit union gives you more for your money.
    (800) 562-0999
    Horizon Credit Union
    520 N 5th Ave, Sandpoint, ID 83864
    (208) 263-7525
    Panhandle Public Employees Federal Credit Union
    302 Pine St, Sandpoint, ID 83864
    (208) 263-3822
    Potlatch Federal Credit
    476999 Highway 95, Ponderay, ID 83852
    (208) 255-5493
    Horizon Credit Union
    480 Bonner Mall Way, Ponderay, ID 83852
    (208) 263-1371
    300 Bonner Mall Way Ste 3006, Ponderay, ID 83852
    (208) 263-6090
    Potlatch No1 Federal Cr Union
    401 W Honeysuckle Ave, Hayden, ID 83835
    (208) 772-2771
    202 W Walnut St, Newport, WA 99156
    (509) 447-5634
    Numerica Credit Union
    465 W Bosanko Ave, Coeur D Alene, ID 83815
    (208) 667-5151
    Global Credit Union
    320 E Neider Ave, Coeur D Alene, ID 83815
    (208) 666-9418
    Potlatch No 1 Federal Credit Union
    303 E Mullan Ave, Post Falls, ID 83854
    (208) 777-7090
    Potlatch No 1 Federal Credit Union
    3050 E Mullan Ave, Post Falls, ID 83854
    (208) 773-4306
    3903 E Primrose Ln, Post Falls, ID 83854
    (208) 619-4000
    Horizon Credit Union
    920 N Highway 41 Ste 8, Post Falls, ID 83854
    (208) 777-2749
    Global Credit Union
    3640 E Seltice Way, Post Falls, ID 83854
    (208) 455-4600

    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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