What Is A Credit Union Bank. A credit union is a type of financial cooperative that provides traditional banking services. A bank would accept any new person as a member seeking to open an account; while a credit union is not open to everybody since it only services a certain type.
If a credit union sounds like more of your speed, it's best to pick one that stands out among the rest.
But who insures credit unions and banks?
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Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. As a credit union member, along with other customers and employees. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.